Wednesday, August 6, 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 | 5.125 | 1.875 | 5.539 |
| 30-YR Fixed | 6.125 | 1.875 | 6.387 | |
| 5-YR ARM | 5.375 | 1.875 | 6.660 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.250 | 0.875 | 5.385 |
| 30-YR Fixed | 5.875 | 2.000 | 6.063 | |
| 5-YR ARM | 5.375 | 2.000 | 6.575 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 5.125 | 2.000 | 5.567 |
| 30-YR Fixed | 6.000 | 2.000 | 6.277 | |
| 5-YR ARM | 6.125 | 0.000 | 6.918 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 5.125 | 1.875 | 5.636 |
| 30-YR Fixed | 6.000 | 2.125 | 6.344 | |
| 5-YR ARM | 6.250 | 1.500 | 7.091 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 5.125 | 2.125 | 5.640 |
| 30-YR Fixed | 6.000 | 2.250 | 6.330 | |
| 5-YR ARM | 5.375 | 2.000 | 6.720 | |
|
Hawaii State Federal Credit Union 808-447-3480 NMLS#405316 |
15-YR Fixed | 5.125 | 1.750 | 5.545 |
| 30-YR Fixed | 6.125 | 1.750 | 6.391 | |
| 5-YR ARM | 5.500 | 1.750 | 6.717 | |
|
Imperial Mortgage LLC 808-263-6363 NMLS#289505 |
15-YR Fixed | 4.875 | 1.866 | 5.297 |
| 30-YR Fixed | 5.875 | 1.579 | 6.103 | |
| 5-YR ARM | ||||
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.875 | 1.490 | 5.252 |
| 30-YR Fixed | 5.750 | 1.365 | 5.968 | |
| 5-YR ARM | 5.500 | 1.125 | 6.678 | |
|
Matanuska Valley Federal Credit Union 907-745-9165 NMLS#418470 |
15-YR Fixed | 6.000 | 0.000 | 6.230 |
| 30-YR Fixed | 6.750 | 0.000 | 6.985 | |
| 5-YR ARM | ||||
|
Territorial Savings, a division of Bank of Hope 808-946-1400 NMLS#794513 |
15-YR Fixed | 4.875 | 2.000 | 5.182 |
| 30-YR Fixed | 5.875 | 1.750 | 6.039 | |
| 5-YR ARM |