Wednesday, September 17, 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 1.875 5.283
30-YR Fixed 5.625 2.125 5.900
5-YR ARM 4.750 2.125 6.439
Bank of Hawaii
877-616-2636
15-YR Fixed 5.000 0.875 5.134
30-YR Fixed 5.500 1.750 5.661
5-YR ARM 5.000 1.750 6.317
Central Pacific Bank
808-544-0500
NMLS#416603
15-YR Fixed 4.875 1.750 5.272
30-YR Fixed 5.500 2.125 5.777
5-YR ARM 5.750 0.000 6.771
Finance Factors
808-548-3300
NMLS#449916
15-YR Fixed 4.750 2.000 5.271
30-YR Fixed 5.500 2.375 5.854
5-YR ARM 5.875 1.500 6.714
First Hawaiian Bank
808-643-4663
15-YR Fixed 4.750 2.250 5.280
30-YR Fixed 5.625 1.875 5.910
5-YR ARM 5.250 2.000 6.670
Hawaii State Federal Credit Union
808-447-3480
NMLS#405316
15-YR Fixed 4.625 2.000 5.072
30-YR Fixed 5.625 1.500 5.856
5-YR ARM 5.000 1.750 6.517
Imperial Mortgage LLC
808-263-6363
NMLS#289505
15-YR Fixed 4.625 1.858 5.043
30-YR Fixed 5.500 1.697 5.734
5-YR ARM
Kama'aina Mortgage Group
808-888-9013
NMLS#1276471
15-YR Fixed 4.750 0.990 4.992
30-YR Fixed 5.500 1.240 5.668
5-YR ARM 5.625 1.250 6.778