Wednesday, July 9, 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 | 5.250 | 2.000 | 5.686 |
| 30-YR Fixed | 6.250 | 2.125 | 6.540 | |
| 5-YR ARM | 5.375 | 1.750 | 6.649 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.375 | 0.875 | 5.510 |
| 30-YR Fixed | 6.000 | 1.875 | 6.177 | |
| 5-YR ARM | 5.375 | 1.875 | 6.563 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.250 | 2.125 | 5.715 |
| 30-YR Fixed | 6.125 | 1.750 | 6.381 | |
| 5-YR ARM | 6.250 | 0.000 | 6.968 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.250 | 1.625 | 5.724 |
| 30-YR Fixed | 6.125 | 2.125 | 6.473 | |
| 5-YR ARM | 6.375 | 1.500 | 7.067 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 5.250 | 2.125 | 5.770 |
| 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 | 5.250 | 1.750 | 5.673 |
| 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 | 4.990 | 2.023 | 5.438 |
| 30-YR Fixed | 5.990 | 1.855 | 6.246 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 5.125 | 1.365 | 5.475 |
| 30-YR Fixed | 5.999 | 0.750 | 6.169 | |
| 5-YR ARM | ||||
|
Territorial Savings, a division of Bank of Hope 808-946-1400 NMLS#794513 |
15-YR Fixed | 5.000 | 1.875 | 5.289 |
| 30-YR Fixed | 6.125 | 1.500 | 6.268 | |
| 5-YR ARM |