Personal Banking, Home Loans & Business Banking and Loans

Koa Chai

Loan Officer

NMLS ID#: 857472

711 Kapiolani Blvd
Suite 1600
Honolulu, HI 96813

Office: 808-447-1408 Mobile: 808-228-5772 Fax: 808-359-2421 Email
  • First-Time Homebuyers
  • VA Loans
  • FHA Loans
  • Purchase
  • Refinancing
  • Condominium Lending

About Me

Early on in my career, I realized the value of following through on my commitments, responding in a timely manner, and making sure my clients were happy. With over a decade of lending experience, I’ll help you make the right financial choices and ensure your mortgage experience is smooth and comfortable. 

  • Born and raised in Hawaii
  • Graduated Punahou School
  • Graduated from the University of Washington with a Bachelors of Science and Minor
  • Former President's Club award winner in recognition for top producer
  • Over 10 years in mortgage banking experience

    "Koa did a great job to fulfill our dream of living in Hawaii by arranging the most smooth mortgage transaction."
    - Nobutaka Ashihara, President - Nobutaka Ashihara Architect (

    "HomeStreet Bank gave me that personal touch and attention to detail that I don't think I would have received from any other mortgage lender. Koa Chai explained the entire process to me, was very patient with my millions of questions, and made me feel very comfortable through what could have been a stressful experience. I placed bids on several places and Koa worked closely with my realtor to provide updated bids in a timely manner -- one time even completing a bid when he was extremely sick with the flu. He carefully kept track of the market and moved quickly to lock me into a favorable rate when the rates were going up, resulting in a monthly mortgage payment that I'm very happy with. I couldn't be happier with HomeStreet Bank and Koa Chai."
    - Lee Miyasato

    "How do express my appreciation and gratitude to Homestreet Bank and especially Koa Chai. After five years of trying to reduce the interest rate on my mortgage I was finally referred to Homestreet Bank. Koa Chai listened to my situation and made me feel that maybe there was light at the end of the tunnel. Imagine my initial distrust that someone was willing to help me in my situation, especially after five years dealing with three local banks. One bank asked for a deposit before they could even look at my application. Another bank verbally approved me, asked for a deposit, scheduled a closing date and one day prior to closing cancelled the closing and denied my loan.  One other bank actually suggested I sell my property. I have always paid my mortgage on time and by modifying my loan my payments were greatly reduced. HomeStreet Bank saw the sense in this, took my application, and did not ask for a deposit. I did not feel like just another commission. I feel that Koa Chai was truly concerned and so helpful. He kept me informed every step of the way. I would trust him and HomeStreet Bank with all my financial needs and I will surely refer anyone looking for mortgage financing. 
    Mahalo, F.Barnett"   

Customer Testimonials

Kelly La’a, Realtor - PEMCO Realty, Inc.

Kelly La’a headshot

Kelly La’a recommends Koa Chai at HomeStreet Honolulu Home Loan Center

Koa’s consistently raises the bar, for everyone of my clients. Each transactions, each client, handled with expertise and Aloha. Myself, as well as my clients benefit tremendously with Koa Chai and his team at HomeStreet Bank! Mahalo, again, for another successful closing! 🌺

Cassie Chun, Clinical Pharmacist

Cassie Chun recommends Koa Chai at HomeStreet Honolulu Home Loan Center

Koa facilitated a very smooth and efficient loan process for me. He was quick to respond to any questions I had and kept me up to date along the way. It was a pleasure working with Koa Chai!

Isi Nau, Broker - Blue Mango

Isi Nau recommends Koa Chai at HomeStreet Honolulu Home Loan Center

Koa's level of hustle and creativity to get loans done are beyond anyone we've worked with. There is never a question of whether our loans will go through. Our clients love working with Koa because he is personable, efficient, and quick to reply.

Contact Me

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