Wednesday, July 16, 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 2.000 6.656
5-YR ARM 5.625 1.750 6.748
Bank of Hawaii
877-616-2636
15-YR Fixed 5.500 0.875 5.636
30-YR Fixed 6.125 1.875 6.304
5-YR ARM 5.625 1.875 6.676
Central Pacific Bank
808-544-0500
NMLS#416603
15-YR Fixed 5.375 2.125 5.843
30-YR Fixed 6.250 2.125 6.546
5-YR ARM 6.250 0.000 6.968
Finance Factors
808-548-3300
NMLS#449916
15-YR Fixed 5.375 1.750 5.872
30-YR Fixed 6.375 1.875 6.704
5-YR ARM 6.250 1.500 7.016
First Hawaiian Bank
808-643-4663
15-YR Fixed 5.375 2.125 5.900
30-YR Fixed 6.375 1.875 6.680
5-YR ARM 5.500 2.000 6.770
Hawaii State Federal Credit Union
808-447-3480
NMLS#405316
15-YR Fixed 5.375 2.000 5.840
30-YR Fixed 6.500 1.625 6.762
5-YR ARM 5.750 1.875 6.828
Imperial Mortgage LLC
808-263-6363
NMLS#289505
15-YR Fixed 5.125 1.924 5.559
30-YR Fixed 6.125 1.932 6.391
5-YR ARM
Kama'aina Mortgage Group
808-888-9013
NMLS#1276471
15-YR Fixed 5.625 0.875 5.870
30-YR Fixed 6.250 1.335 6.445
5-YR ARM 5.750 1.125 6.751
Matanuska Valley Federal Credit Union
907-745-9165
NMLS#418470
15-YR Fixed 6.250 0.000 6.250
30-YR Fixed 6.875 0.000 7.111
5-YR ARM
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 6.250 1.625 6.406
5-YR ARM