Wednesday, March 4, 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 | 4.875 | 2.125 | 5.322 |
| 30-YR Fixed | 5.500 | 2.375 | 5.796 | |
| 5-YR ARM | 4.875 | 2.000 | 6.027 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.125 | 1.000 | 5.278 |
| 30-YR Fixed | 5.500 | 1.750 | 5.661 | |
| 5-YR ARM | 4.875 | 1.750 | 5.926 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 4.875 | 2.125 | 5.331 |
| 30-YR Fixed | 5.500 | 1.875 | 5.754 | |
| 5-YR ARM | 4.750 | 2.000 | 6.201 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 4.875 | 1.875 | 5.380 |
| 30-YR Fixed | 5.500 | 2.000 | 5.818 | |
| 5-YR ARM | 5.250 | 1.500 | 6.314 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.250 | 5.410 |
| 30-YR Fixed | 5.500 | 2.125 | 5.810 | |
| 5-YR ARM | 4.625 | 2.000 | 5.980 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 4.875 | 1.750 | 5.289 |
| 30-YR Fixed | 5.500 | 2.000 | 5.776 | |
| 5-YR ARM | 5.000 | 1.750 | 6.072 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.750 | 1.727 | 5.149 |
| 30-YR Fixed | 5.375 | 1.819 | 5.618 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.750 | 1.240 | 5.097 |
| 30-YR Fixed | 5.375 | 1.240 | 5.582 | |
| 5-YR ARM | 4.875 | 1.375 | 6.049 | |
|
Matanuska Valley Federal Credit Union 907-745-9165 NMLS#418470 |
15-YR Fixed | 5.750 | 0.000 | 5.978 |
| 30-YR Fixed | 6.250 | 0.000 | 6.482 | |
| 5-YR ARM |