BBB Accredited Business since

Honolulu HomeLoans, Inc

Phone: (808) 681-7500 745 Fort St Ste 1001, Honolulu, HI 96813 View Additional Email Addresses

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This company offers mortgages

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Honolulu HomeLoans, Inc meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Honolulu HomeLoans, Inc include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

1 Customer Review on Honolulu HomeLoans, Inc
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: March 19, 2010 Business started: 08/01/2009 Business started locally: 08/01/2009 Business incorporated: 08/20/2009 in HI
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

State of Hawaii Department of Taxation
PO Box 1425, Honolulu HI 96806
Phone Number: (808) 587-4242
The number is W96511550-01.

Nationwide Mortgage Licensing System & Registry
Phone Number: (240) 386-4444
The number is NMLS 314918.

Nationwide Mortgage Licensing System & Registry
Phone Number: (240) 386-4444
The number is HI-314918.

Type of Entity


Business Management
Andrew Kim, Chief Production Officer Mr. Earl Ching, Senior Vice President | Legal Counsel Mr. Dennis Costigan, Executive Vice President, Underwriting Ms. Sharon Miyazaki, Executive VP, Loan Production Ms. Wendy Odo, Chief Financial Officer Ms. Wendy Z. Pang, Executive Vice President Mr. Ron Schmid, Chairman of the Board Mr. Tom Zimmerman, President
Contact Information
Principal: Andrew Kim, Chief Production Officer
Business Category

Mortgage Brokers Mortgage Bankers

Customer Review Rating plus BBB Rating Summary

Honolulu HomeLoans, Inc has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 745 Fort St Ste 1001

    Honolulu, HI 96813 (808) 681-7500


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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

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  • Billing or Collection
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  • Guarantee or Warranty

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BBB Complaint Process

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Additional Email Addresses

  • - eQuote
  • - Communication/Mass Email
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Complaint Detail(s)

7/18/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: Honolulu Home Loans fraudulently altered IRS Form 4506-T after it was signed. During Mortgage loan application process was asked by Honolulu Home Loan to sign Form 4506-T as part of the application process. On 4/7/2014 Form 4506-T was signed and dated by ** **** and ****** ****. On 5/22/2014 received a letter from IRS stating that they could not process Form 4506-T because they can not accept altered forms (Ref. # XXXXXXXXXX). Upon receiving the letter I checked my copy of Form 4506-T I submitted and found that Honolulu Home Loan did alter Form 4506-T after we signed the document. Honolulu Home Loan fraudulently altered a signed IRS Form 4506-T without notifying me nor did they have my permission to do so.

Desired Settlement: Violated Local and Federal laws. As a regulated business they know what is right and wrong and should be held accountable for it.

Business Response: Initial Business Response /* (1000, 5, 2014/06/24) */ Honolulu HomeLoans ("HHL") received an IRS Form 4506-T completed by the consumers in connection with a mortgage loan application submitted by the consumers to HHL. In connection with the processing of the consumer's application and in order to obtain the income tax transcripts for the consumer, HHL submitted the Form 4506-T to the IRS. HHL obtains a copy of the borrower's tax transcripts to confirm the information that is included on the federal income tax returns provided by the borrower to HHL. The 4506-T signed by the consumers was not accepted because the address on the 4506-T did not match the address used by the consumers on their federal income tax returns. Upon receiving this rejection and in an effort to continue the processing of the consumer's application without any further delay, a HHL processor did the following: (i) reviewed the federal income tax returns submitted by the consumers to HHL; and (ii) inserted the address used by the consumers on their income tax returns onto the Form 4506-T. In early June 2014, the consumer spoke with HHL's corporate counsel to notify HHL that the consumer had received a notice from the Internal Revenue Service which notified him that the Form 4506-T may have been altered. At the consumer's request, HHL delivered a disk that contained a copy of all of the loan documents signed by the consumer and transmitted to the investor/servicer of the consumer's loan. Following the consumer's conversation with HHL, training was conducted for HHL's processing staff to remind them and reinforce that any changes or alterations to documents that are signed by a borrower must be made or authorized by the borrower. Initial Consumer Rebuttal /* (3000, 7, 2014/07/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unacceptable! HHL continues to give explanation that it was in their best interest to continue processing the loan application by ALTERING a consumers signed document without informing the consumer first. HHL forgot to mention that not only did they insert an address, they also ALTERED several other check boxes. It is business as usual for these mortgage companies, do what ever it takes to process loans and make money even if it means breaking the law. just hope the consumer doesn't find out what we do behind closed doors in the processing department. In case HHL legal counsel forgot: Hawaii Rev. Stat. 708-852: (1) A person commits the offense of forgery in the second degree if, with intent to defraud, the person falsely makes, completes, endorses, or alters a written instrument (2) Forgery in the second degree is a class C felony Hawaii Revised Statutes TITLE 25. PROFESSIONS AND OCCUPATIONS 454M. Mortgage Services 454M-6 Prohibited activities. (2) To engage in any transaction, practice, or course of business that is not in good faith, does not constitute fair dealing, or that constitutes a fraud upon any person, in connection with the servicing, purchase, or sale of any mortgage loan; To this date I have never received a formal written apology on this matter.