Hawaii-based mortgage lender offering fixed-rate home loans with FDIC insurance backing. Serves owner-occupants in Hawaii counties with competitive rates and a loan officer network.
Data compiled from public sources · Rating from CreditDoc methodology
Finance Factors, Ltd. S. Government, appealing to borrowers seeking security and stability.
The company offers 30-year and 15-year fixed-rate mortgage products for owner-occupied residential properties in Hawaii. 656% APR). Maximum loan amounts vary by county: $1,249,125 for Honolulu, Kauai, and Hawaii counties, and $1,299,500 for Maui and Kalawao counties.
Additionally, the website indicates they offer deposit products including savings accounts, CDs, and IRAs, suggesting broader banking services beyond mortgages alone. What distinguishes Finance Factors is its geographic specialization in Hawaii's residential mortgage market and emphasis on FDIC-insured deposit products. The company maintains a loan officer network accessible through their website and emphasizes their willingness to work with borrowers in an island state market.
Their tagline suggests they may cater to borrowers who have faced rejections elsewhere, though specifics are not detailed on their public website. A key caveat is that Finance Factors explicitly restricts mortgages to qualified owner-occupants of residential real estate located in Hawaii only. The advertised sample payments do not include taxes, insurance, or HOA fees, meaning actual obligations will be significantly higher.
The company's broader banking services (savings accounts, CDs, IRAs) are mentioned but not detailed, making it unclear what competitive advantages these products offer compared to traditional banks.
Finance Factors, Ltd. offers 8 services including 30-year fixed-rate mortgages, 15-year fixed-rate mortgages, Owner-occupied residential home purchase mortgages, Loan officer consultations, FDIC-insured savings accounts, and 3 more.
Finance Factors, Ltd. is best suited for Owner-occupants in Hawaii seeking fixed-rate mortgages with FDIC-insured banking services, Hawaii residents who may have faced mortgage rejections and want to explore alternative lending options, Borrowers in Honolulu, Kauai, Hawaii, Maui, and Kalawao counties with loan needs under county maximums.
Key strengths: FDIC-insured deposits backed by U.S. Government, providing security for savings products; Fixed-rate mortgage options (15-year and 30-year terms) with transparency on APR and points; Accessible loan officer network available through website for personalized assistance. Areas to consider: Geographically restricted to Hawaii only—not available to mainland borrowers; Limited transparency on underwriting standards, approval criteria, or credit score requirements despite 'If No Can, We Can' messaging.
In the Banks category, comparable providers include American Savings Bank, National Association, Bank of Hawaii, Central Pacific Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Finance Factors is best for owner-occupants seeking mortgages within Hawaii who value FDIC insurance and the convenience of deposit products through the same institution. The main caveat is strict geographic limitation to Hawaii only and lack of transparency about credit requirements, despite their inclusive messaging suggesting otherwise.
American Savings Bank is a Hawaii-based national bank offering personal and business banking, mortgages, loans, credit cards, and investment services through branches, online, and mobile platforms.
Best for: Hawaii residents seeking local banking with community-focused rewards and merchant discounts, Small business owners and commercial entities operating in Hawaii requiring business banking services
Bank of Hawaii is a 125-year-old regional bank serving Hawaii, Guam, and Saipan with FDIC-insured deposits, checking/savings accounts, credit cards, and investment services.
Best for: Hawaii, Guam, and Saipan residents seeking comprehensive local banking with community relationship focus, Homeowners looking for residential lending products and HELOCs with a local Hawaii lender
Central Pacific Bank is a full-service bank offering personal checking, savings, loans, mortgages, credit cards, and wealth management services through digital and branch channels.
Best for: Small business owners seeking integrated business banking, lending, and merchant services, High-net-worth individuals interested in private banking, trust services, and investment management
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