Steven Mangum

MLO/President
NMLS# 263952
CA-DBO263952
Nevada 77392

Areas Serviced:

  • Hawaii, all islands
  • California
  • Colorado
  • Nevada
  • Oregon
  • Texas
  • Washington

Get to Know Steven:

As the Owner and President of Pacific Home Loans, Steven Mangum has built a highly respected residential mortgage company known for its commitment to excellence, innovation, and a customer-first approach. Founded in Hawaii, the company has grown into operating a successful hybrid model as an independent mortgage bank and broker, as well as expanding beyond the islands, securing licensing in multiple states and assembling a first-class team of mortgage professionals dedicated to providing the best financing solutions available.

With over two decades of experience as a top-producing loan officer, Steven brings unique insight into the mortgage industry, allowing him to strategically guide the direction of Pacific Home Loans. His firsthand knowledge of loan origination, market trends, and client needs enables him to source the most competitive loan products while ensuring an exceptional customer experience. This expertise has also positioned him as a leader in attracting and mentoring talented loan officers, fostering a culture of excellence and professional growth.

In addition to leading the company, Steven continues to actively originate loans, keeping him closely connected to market trends and the evolving needs of borrowers. This hands-on approach allows him to source the most competitive rates and loan programs, ensuring that Pacific Home Loans consistently delivers the best options to its clients.

Beyond business growth, Steven remains dedicated to developing a team of highly trained mortgage professionals who share his commitment to integrity, service, and results. His focus on fostering industry expertise and delivering a seamless customer experience has set a high standard in mortgage lending.

Through strategic expansion and a relentless pursuit of excellence, Steven continues to make homeownership accessible and achievable for clients across multiple markets.

What My Clients Are Saying:

I’ve worked with Steven and his staff on two different loans on vacation properties, and they were super nice, knowledgeable, helpful, and efficient…  They only let you borrow what you can afford and match you up with the best loan for your situation.  I highly recommend them.

Amy B., Hawaii

Thanks to the entire staff of Pacific Home Loans, our refi was a success! Especially when it’s not so easy to get any type of loan being self employed.

Lisa Y.

Thank you, Steven – It was a pleasure working with you all. Great rate. Awesome deal no one else was able to match. Very much appreciated.

Gary M.

Steven and his team were exceptional in their communication and service from when I first inquired about a loan to the day I recorded. They walked me through what to expect each step of the way. I know how busy they are, but they truly made me feel like I was the only client they were servicing. I am a real estate agent and this loan was for my personal purchase. I am happy to say that I could not have asked for my loan process to go any better, it was truly exceptional. I highly recommend Steven and his team at Pacific Home Loans, they are no ka oi, as we say it here in Hawaii! Thank you Steven and all on your team, you each made my home purchase experience wonderful! Mahalo nui!

Nicci H., Hawaii

Excellent Service! I worked with Steven and his team at Pacific Home Loans on the purchase of my Maui condo. The entire team worked seamlessly to keep my loan on track for closing on time! I cannot say enough good things about my experience with Steven and his wonderful professionals!

Julie G., Hawaii

This is my second time using Pacific Home Loans. Steven’s expertise guided me along both journeys with ease. The team was tremendously easy to work with and always available. Right now I even have the bragging rights around the water cooler at work for the lowest rate. My next deal will absolutely be done with Pacific Home Loans.

Joe P.

Excellent service and follow up. Would highly recommend for any mortgage lending needs. Steven team handled our loan application and were able to handle a very complicated application as I own several businesses and rental properties. Great follow up and creative thought process on accomplishing meeting stringent underwriting requirements. Will definitely recommend to friends and family. LisaKathy was also wonderful to work with and very knowledgeable.

Grant H.

I just finished up a loan with Steven from Pacific Home Loans. He has some great people working for him. I’m a business owner that always make it harder to get the loans closed on a timely fashion. No problem for his team. Loved working with them and would highly recommend them.

Rob D.

Professional and efficient team. Pacific homes loans was recommended to me by a really good friend who has worked with Steven for awhile. Steven and his team are such positive people, efficient and just overall easy to work with. Although we’ve been affected by a pandemic, we were able to get a great rate. They’ve made our first time home buying experience such a good one. I highly recommend Pacific home loans. They definitely will not disappoint.

Kristy-Ann L., Hawaii

Beyond Our Expectations – Before reaching out to Pacific Home Loans I had gotten quotes from 3 other companies about what I could expect for a home refinance rate. I almost went with the lowest one before I heard about Steven with PHL. I was skeptical that Steven could beat the rate and service I’d been offered from another company, but when it comes to such a move as a refinance you can’t be too thorough in your options. I was so pleasantly surprised Steven was able to offer me a lower rate and I believe it’s due to the way his company does the utmost thorough job of taking everything into consideration to get the best possible outcome. My family’s future is changed forever for the better because of the team at Pacific Home Loans, truly they helped us save a fortune!

Jenna W.

I had a great experience working with such a professional and knowledgeable team at PHL. We completed refinancing my home mortgage in early September. Great rates, seamless process, and great results. Thank you Steve and your team.

Sassan Y., Hawaii