Wednesday, October 15, 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 | 5.750 | 2.000 | 6.016 | |
| 5-YR ARM | 5.125 | 1.375 | 6.441 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.125 | 0.875 | 5.259 |
| 30-YR Fixed | 5.625 | 1.500 | 5.763 | |
| 5-YR ARM | 5.125 | 1.500 | 6.350 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.000 | 1.750 | 5.400 |
| 30-YR Fixed | 5.625 | 1.625 | 5.858 | |
| 5-YR ARM | 5.750 | 0.000 | 6.698 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 4.875 | 2.000 | 5.399 |
| 30-YR Fixed | 5.625 | 1.875 | 5.935 | |
| 5-YR ARM | 5.625 | 1.500 | 6.538 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.125 | 5.390 |
| 30-YR Fixed | 5.625 | 2.125 | 5.940 | |
| 5-YR ARM | 4.875 | 2.000 | 6.450 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 4.875 | 1.750 | 5.289 |
| 30-YR Fixed | 5.875 | 1.625 | 6.123 | |
| 5-YR ARM | 5.125 | 1.875 | 6.507 | |
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.750 | 1.115 | 5.021 |
| 30-YR Fixed | 5.375 | 1.490 | 5.571 | |
| 5-YR ARM | 5.625 | 1.250 | 6.778 |