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 |