Wednesday, September 10, 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 | 5.875 | 1.625 | 6.108 | |
| 5-YR ARM | 5.125 | 1.750 | 6.550 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.000 | 0.875 | 5.134 |
| 30-YR Fixed | 5.625 | 1.625 | 5.775 | |
| 5-YR ARM | 5.125 | 1.625 | 6.428 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 4.875 | 1.625 | 5.252 |
| 30-YR Fixed | 5.625 | 2.000 | 5.893 | |
| 5-YR ARM | 5.750 | 0.000 | 6.771 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 4.750 | 1.875 | 5.251 |
| 30-YR Fixed | 5.625 | 2.000 | 5.947 | |
| 5-YR ARM | 6.000 | 1.500 | 6.840 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.000 | 5.370 |
| 30-YR Fixed | 5.750 | 2.000 | 6.050 | |
| 5-YR ARM | 5.250 | 2.000 | 6.670 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 4.750 | 1.625 | 5.142 |
| 30-YR Fixed | 5.875 | 1.500 | 6.111 | |
| 5-YR ARM | 5.125 | 1.750 | 6.570 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.625 | 1.834 | 5.039 |
| 30-YR Fixed | 5.500 | 1.980 | 5.760 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.750 | 0.865 | 5.008 |
| 30-YR Fixed | 5.500 | 1.490 | 5.714 | |
| 5-YR ARM | 5.625 | 1.125 | 6.737 |