Wednesday, November 19, 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 | 5.000 | 2.000 | 5.431 |
| 30-YR Fixed | 5.875 | 1.875 | 6.132 | |
| 5-YR ARM | 4.875 | 2.000 | 6.327 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.125 | 1.000 | 5.278 |
| 30-YR Fixed | 5.625 | 1.875 | 5.798 | |
| 5-YR ARM | 4.875 | 1.875 | 6.207 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.000 | 2.000 | 5.439 |
| 30-YR Fixed | 5.750 | 1.875 | 6.009 | |
| 5-YR ARM | 5.625 | 0.000 | 6.575 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.000 | 1.750 | 5.488 |
| 30-YR Fixed | 5.625 | 2.375 | 5.983 | |
| 5-YR ARM | 5.375 | 1.500 | 6.439 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.375 | 5.430 |
| 30-YR Fixed | 5.750 | 2.375 | 6.090 | |
| 5-YR ARM | 4.750 | 2.000 | 6.320 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 4.875 | 2.000 | 5.328 |
| 30-YR Fixed | 5.875 | 1.875 | 6.147 | |
| 5-YR ARM | 5.250 | 1.375 | 6.434 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.750 | 1.755 | 5.153 |
| 30-YR Fixed | 5.625 | 1.638 | 5.855 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.875 | 1.240 | 5.219 |
| 30-YR Fixed | 5.625 | 1.365 | 5.800 | |
| 5-YR ARM | 4.750 | 1.500 | 6.063 |