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Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rates may have changed click here to verify
Wednesday, February 4, 2026
| 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 | 5.625 | 2.375 | 5.924 | |
| 5-YR ARM | 4.750 | 2.375 | 6.013 | |
|
Bank of Hawaii 877-616-2636 |
15-YR Fixed | 5.250 | 0.750 | 5.365 |
| 30-YR Fixed | 5.625 | 1.750 | 5.787 | |
| 5-YR ARM | 5.000 | 1.750 | 5.981 | |
|
Central Pacific Bank 808-544-0500 NMLS#416603 |
15-YR Fixed | 4.875 | 2.125 | 5.331 |
| 30-YR Fixed | 5.500 | 2.250 | 5.789 | |
| 5-YR ARM | 5.125 | 2.000 | 6.346 | |
|
Finance Factors 808-548-3300 NMLS#449916 |
15-YR Fixed | 4.875 | 1.750 | 5.360 |
| 30-YR Fixed | 5.625 | 1.875 | 5.935 | |
| 5-YR ARM | 5.375 | 1.500 | 6.364 | |
|
First Hawaiian Bank 808-643-4663 |
15-YR Fixed | 4.875 | 2.250 | 5.410 |
| 30-YR Fixed | 5.625 | 2.250 | 5.950 | |
| 5-YR ARM | 4.875 | 2.000 | 6.080 | |
|
Kama'aina Mortgage Group 808-888-9013 NMLS#1276471 |
15-YR Fixed | 4.750 | 1.326 | 5.104 |
| 30-YR Fixed | 5.375 | 1.576 | 5.610 | |
| 5-YR ARM | 5.125 | 1.125 | 6.091 |
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®.
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