Wednesday, April 1, 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 | 5.125 | 1.750 | 5.478 |
| 30-YR Fixed | 5.875 | 2.125 | 6.129 | |
| 5-YR ARM | 5.000 | 2.125 | 6.087 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.375 | 1.000 | 5.530 |
| 30-YR Fixed | 5.875 | 1.875 | 6.051 | |
| 5-YR ARM | 5.250 | 1.875 | 6.104 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.250 | 1.875 | 5.675 |
| 30-YR Fixed | 5.875 | 1.875 | 6.137 | |
| 5-YR ARM | 5.875 | 2.000 | 6.444 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.125 | 1.875 | 6.103 |
| 30-YR Fixed | 5.875 | 2.000 | 6.203 | |
| 5-YR ARM | 5.750 | 1.500 | 6.664 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 5.125 | 2.375 | 5.680 |
| 30-YR Fixed | 5.875 | 2.500 | 6.230 | |
| 5-YR ARM | 5.125 | 2.000 | 6.170 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 5.125 | 1.875 | 5.564 |
| 30-YR Fixed | 5.875 | 1.750 | 6.135 | |
| 5-YR ARM | 5.250 | 2.000 | 6.206 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.990 | 1.920 | 5.422 |
| 30-YR Fixed | 5.750 | 1.887 | 6.005 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 5.125 | 0.990 | 5.456 |
| 30-YR Fixed | 5.750 | 1.365 | 5.986 | |
| 5-YR ARM | 5.500 | 1.125 | 6.326 |