Wednesday, July 15, 2026
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 | 1.625 | 5.712 |
| 30-YR Fixed | 6.250 | 1.750 | 6.474 | |
| 5-YR ARM | 5.250 | 2.000 | 6.174 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.500 | 1.000 | 5.655 |
| 30-YR Fixed | 6.125 | 1.625 | 6.280 | |
| 5-YR ARM | 5.625 | 1.625 | 6.234 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.375 | 2.125 | 5.843 |
| 30-YR Fixed | 6.125 | 1.875 | 6.393 | |
| 5-YR ARM | 5.500 | 2.000 | 6.418 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.375 | 1.875 | 5.892 |
| 30-YR Fixed | 6.125 | 2.000 | 6.460 | |
| 5-YR ARM | 5.875 | 1.500 | 6.864 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 5.375 | 2.125 | 5.900 |
| 30-YR Fixed | 6.125 | 2.375 | 6.470 | |
| 5-YR ARM | 5.250 | 2.000 | 6.220 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 5.375 | 2.000 | 5.840 |
| 30-YR Fixed | 6.125 | 1.875 | 6.403 | |
| 5-YR ARM | 5.500 | 2.000 | 6.291 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 5.250 | 1.837 | 5.615 |
| 30-YR Fixed | 5.990 | 1.739 | 6.235 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 5.250 | 1.201 | 5.543 |
| 30-YR Fixed | 5.875 | 1.326 | 6.065 | |
| 5-YR ARM | 5.750 | 0.750 | 6.268 | |
|
Matanuska Valley Federal Credit Union 907-745-9165 NMLS#418470 |
15-YR Fixed | 8.375 | 0.000 | 8.457 |
| 30-YR Fixed | 8.750 | 0.000 | 8.831 | |
| 5-YR ARM |