Wednesday, July 30, 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 | 5.375 | 1.875 | 5.794 |
| 30-YR Fixed | 6.375 | 1.750 | 6.631 | |
| 5-YR ARM | 5.625 | 1.375 | 6.712 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.375 | 1.000 | 5.530 |
| 30-YR Fixed | 6.125 | 1.500 | 6.268 | |
| 5-YR ARM | 5.625 | 1.500 | 6.640 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.375 | 1.875 | 5.803 |
| 30-YR Fixed | 6.250 | 1.875 | 6.521 | |
| 5-YR ARM | 6.250 | 0.000 | 6.968 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.250 | 1.875 | 5.764 |
| 30-YR Fixed | 6.250 | 2.125 | 6.601 | |
| 5-YR ARM | 6.250 | 1.500 | 7.091 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 5.250 | 2.250 | 5.790 |
| 30-YR Fixed | 6.250 | 2.000 | 6.560 | |
| 5-YR ARM | 5.500 | 2.000 | 6.770 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 5.375 | 1.625 | 5.780 |
| 30-YR Fixed | 6.375 | 1.750 | 6.647 | |
| 5-YR ARM | 5.750 | 1.500 | 6.791 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 5.125 | 1.660 | 5.518 |
| 30-YR Fixed | 5.990 | 1.843 | 6.245 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 5.250 | 0.990 | 5.438 |
| 30-YR Fixed | 6.000 | 1.240 | 6.161 | |
| 5-YR ARM | 5.750 | 1.125 | 6.751 | |
|
Territorial Savings, a division of Bank of Hope 808-946-1400 NMLS#794513 |
15-YR Fixed | 5.250 | 1.875 | 5.541 |
| 30-YR Fixed | 6.000 | 2.000 | 6.189 | |
| 5-YR ARM |