Mortgage Rates
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 and compiled, as a public service, by the Honolulu Board of Realtors Research Department. Information deemed reliable, however not guaranteed.
Mortgage Rates in Hawaii as of Monday, September 8, 2008
| Lender | Term/Type | Interest rate, % | Points, % | *ARP |
|---|---|---|---|---|
| Acceptance Capital Mtg |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.625 6.125 5.875 |
1.000 1.000 1.000 |
5.940 6.320 8.410 |
| Advantage Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.375 |
1.625 1.875 2.000 |
5.760 6.135 5.205 |
| Aina Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.750 5.625 |
2.125 2.125 1.250 |
5.641 5.986 5.686 |
| Allied Home Mtg Capital |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.625 6.000 4.625 |
1.000 1.000 1.000 |
5.924 6.181 4.603 |
| American Home Finance |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.750 6.250 6.500 |
0.000 0.000 0.000 |
5.810 6.330 7.000 |
| American Savings Bank |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 4.250 |
2.000 1.875 2.000 |
5.770 6.232 5.499 |
| Ascent Home Loans |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.875 5.375 |
1.875 1.750 2.000 |
5.602 6.078 5.123 |
| Bank of Hawaii |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.875 4.500 |
2.000 2.000 2.000 |
5.560 6.063 5.595 |
| Central Pacific HomeLoans |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 5.375 |
1.750 1.875 2.250 |
5.752 6.246 5.144 |
| CUSO of Hawaii |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 4.375 |
2.250 2.000 1.000 |
5.784 6.229 4.947 |
| Finance Factors |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 5.000 |
2.000 2.000 2.375 |
5.759 6.217 5.734 |
| First Hawaiian Bank |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.375 |
1.750 2.000 2.000 |
5.700 6.100 5.040 |
| Hawaii National Bank |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.875 3.875 |
2.000 2.000 1.750 |
5.560 6.063 4.714 |
| Home Loans of Hawaii |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.750 4.375 |
1.875 1.875 1.625 |
5.743 6.069 5.111 |
| HomeStreet Bank |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 4.250 |
2.125 1.750 2.000 |
5.856 6.263 6.269 |
| House of Finance |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.625 |
1.625 2.000 2.000 |
5.789 6.165 5.650 |
| Imperial Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.875 4.500 |
2.125 1.750 2.000 |
5.659 6.396 5.592 |
| Innovative Island Mtg |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.750 |
2.000 2.000 2.000 |
5.767 6.113 5.450 |
| Kailua Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.625 6.000 4.875 |
1.000 1.000 1.000 |
5.916 6.177 5.552 |
| Lau, Donald Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.250 |
2.000 2.000 2.000 |
5.810 6.141 5.102 |
| Legacy Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.500 4.250 |
1.375 2.396 1.375 |
5.580 5.793 5.883 |
| Mid-Pacific Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.750 6.250 4.875 |
0.000 0.000 2.000 |
5.790 6.275 5.876 |
| Miranda, Violet Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 5.250 |
1.250 1.500 1.750 |
5.639 6.150 5.126 |
| Mortgage Depot |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.750 4.375 |
1.750 2.125 1.750 |
5.643 6.026 5.142 |
| Mortgage Express |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.875 6.375 5.000 |
0.000 0.000 1.000 |
6.017 6.465 5.115 |
| Mortgage Lenders |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.500 6.125 5.500 |
0.500 0.500 0.500 |
5.799 6.399 7.599 |
| Mortgage Specialists |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.875 6.250 4.375 |
0.000 0.000 2.000 |
5.932 6.299 5.034 |
| Navy Federal Credit Union |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.125 5.625 5.625 |
1.500 1.750 1.375 |
5.409 5.821 5.630 |
| New Horizons Financial |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.000 5.750 4.500 |
1.625 1.250 1.000 |
5.667 6.243 7.075 |
| NorthStar Alliance |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 5.500 |
2.000 2.000 2.000 |
5.923 6.208 8.091 |
| Option Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 4.625 |
1.625 1.875 2.000 |
5.741 6.123 5.592 |
| Phoenix Financial |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.875 4.250 |
1.750 1.750 2.000 |
5.564 6.090 5.490 |
| Pyramid Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.250 5.750 4.125 |
2.000 2.000 2.250 |
5.659 5.996 5.526 |
| Spectrum Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 6.000 4.125 |
2.000 2.000 2.000 |
5.819 6.275 5.117 |
| Territorial Savings |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.125 5.875 4.125 |
2.250 2.125 2.000 |
5.622 6.117 4.784 |
| Wells Fargo Home Mortgage |
15-YR Fixed 30-YR Fixed 1-YR ARM |
5.375 5.875 5.375 |
2.125 2.000 2.000 |
5.640 6.021 5.521 |
*APR (Annual Percentage Rate) reflects the cost of interest, points and all other finance charges, based on a $200,000 owner-occupant loan. The APR shown for 1-Year ARM loans is computed based on the current value of the underlying rate index. Most ARMs have rate caps, both on how much the interest rate may change each year and over the life of the loan.