Cardinal Hawaii

Think local. Live local. Borrow local.

Big company, local culture. Here at Cardinal Hawaii, we are your full-service, focused, and flexible local lending office. As a division of Cardinal Financial Company, Cardinal Hawaii is not only backed by the support of a national lending leader, but also with the aloha and local spirit of the Hawaiian community. While our innovative technology sets us apart, we wouldn’t be successful without the power of human expertise. Our firm foundation of hometown values, our close client relationships, and our community-based experts, we have helped borrowers fulfill the dream of homeownership for more than 30 years.

With Cardinal Hawaii, hassle-free lending is possible.

Free Rate Quote

Whether it’s time to buy or refi, we’re here to help you take the next step. Fill out our form and one of our loan specialists will be in contact with you.


Loan Programs

We believe in fitting the product to the customer, not the customer to the product. Learn more about our wide variety of loan programs including Conventional, FHA, VA, USDA, MCC and Jumbo Loans.


Find a Loan Officer

Embrace the borrower. Solve for success. Deliver a personal experience. At Cardinal Hawaii, we only hire top-tier loan officers. What matters to you, matters to us.


A lender that goes the extra mile for you makes all the difference.

Apply Today!

A lender that goes the extra mile for you makes all the difference.

Apply Today!


Happy Home Owners

Hear what some of your friends and neighbors have to say about working with Cardinal Hawaii.

Average of 5 stars, total of 73 Ratings

Knowledge is Power

Calculate Your Rate

Not sure whether or not now is the time to buy or sell a home? Calculate your own potential rates with our wide variety of mortgage calculators for all your finance needs.

This calculator computes the payments (principal and interest) for a fixed rate home loan.

See what affordability options are available when planning for a mortgage with the perfect payment plan.

Not sure whether you should rent or buy? This tool will help you make the right decision based on your financial needs.

Looking to refinance your current mortgage? Use our refinance analysis calculator to determine your new payments and potential benefits.

Make Home Happen

We’re working to be the lender-partner for all your borrowing needs. Contact us today and one of our passionate team members will personally get back to you.

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