Wednesday, December 24, 2025
Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rate information is provided by the lenders (members of the Hawaii Association of Mortgage Brokers and the Mortgage Bankers Association of Hawaii) and compiled, as a public service, by the Honolulu Board of REALTORS®.
| Lender | Term/Type | Interest Rate | % Points | % *APR |
|---|---|---|---|---|
|
American Savings Bank 808-593-1226 NMLS#423168 |
15-YR Fixed | 4.875 | 2.125 | 5.322 |
| 30-YR Fixed | 5.750 | 1.875 | 6.004 | |
| 5-YR ARM | 4.875 | 2.000 | 6.178 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.125 | 1.000 | 5.278 |
| 30-YR Fixed | 5.500 | 2.000 | 5.684 | |
| 5-YR ARM | 4.750 | 2.000 | 6.029 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 4.875 | 2.250 | 5.351 |
| 30-YR Fixed | 5.500 | 2.250 | 5.789 | |
| 5-YR ARM | 5.625 | 0.000 | 6.427 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 4.875 | 2.000 | 5.399 |
| 30-YR Fixed | 5.625 | 2.125 | 5.959 | |
| 5-YR ARM | 5.375 | 1.500 | 6.439 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.250 | 5.410 |
| 30-YR Fixed | 5.625 | 2.125 | 5.940 | |
| 5-YR ARM | 4.875 | 2.000 | 6.230 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 4.875 | 1.750 | 5.289 |
| 30-YR Fixed | 5.375 | 1.750 | 5.624 | |
| 5-YR ARM | 5.125 | 1.625 | 6.260 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.750 | 1.330 | 5.088 |
| 30-YR Fixed | 5.490 | 1.985 | 5.751 | |
| 5-YR ARM |