Current Hawaii Mortgage Rates
Average market rates for July 30, 2026 in Hawaii are 6.72% for 30-year fixed purchase and 6.76% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.72% | 6.76% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
Rates based on market averages as of Jul 29, 2026.Mortgage Rate Trends in Hawaii
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.72% | 6.76% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
Rates based on market averages as of Jul 29, 2026.Hawaii Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.87% | 5.94% |
| 15-year Fixed Jumbo Purchase | 5.84% | 5.86% |
| 30-year Fixed Purchase | 6.72% | 6.76% |
| 30-year Fixed Jumbo Purchase | 6.70% | 6.71% |
Rates based on market averages as of Jul 29, 2026.Hawaii Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.84% | 5.90% |
| 15-year Fixed Jumbo Refinance | 5.84% | 5.87% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
| 30-year Fixed Jumbo Refinance | 6.76% | 6.77% |
Rates based on market averages as of Jul 29, 2026.Hawaii ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.19% | 6.27% |
| 5/6 Arm (refinance) | 6.16% | 6.20% |
| 5/6 Jumbo Arm (purchase) | 6.28% | 6.31% |
| 5/6 Jumbo Arm (refinance) | 6.08% | 6.10% |
Rates based on market averages as of Jul 29, 2026.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Hawaii
- Conventional: 8,863 loans
- FHA: 369 loans
- VA: 2,535 loans
- USDA: 109 loans
Top Purchase Lenders in Hawaii by Volume
- Bank Of Hawaii: 881 loans
- First Hawaiian Bank: 821 loans
- American Savings Bank, Fsb: 774 loans
- Guaranteed Rate, Inc.: 582 loans
- Loandepot.com, LLC: 574 loans
- Central Pacific Bank: 441 loans
- American Pacific Mortgage Corporation: 400 loans
- Rocket Mortgage, LLC: 375 loans
- DHI Mortgage Company, Ltd.: 361 loans
- Hawaiian Financial: 352 loans
Top Refinance Lenders in Hawaii by Volume
- Bank Of Hawaii: 1,489 loans
- First Hawaiian Bank: 825 loans
- Central Pacific Bank: 515 loans
- American Savings Bank, Fsb: 420 loans
- Hawaii State Federal Credit Union: 286 loans
- Hawaiiusa Federal Credit Union: 269 loans
- Rocket Mortgage, LLC: 162 loans
- Loandepot.com, LLC: 152 loans
- Finance Of America Reverse LLC: 119 loans
- Pennymac Loan Services, LLC: 96 loans
Top Cash-Out Refinance Lenders in Hawaii by Volume
- Rocket Mortgage, LLC: 593 loans
- Loandepot.com, LLC: 334 loans
- American Savings Bank, Fsb: 221 loans
- First Hawaiian Bank: 189 loans
- Hawaiian Financial: 181 loans
- Bank Of Hawaii: 169 loans
- Amerisave Mortgage Corporation: 123 loans
- Home Point Financial Corporation: 115 loans
- Freedom Mortgage Corporation: 108 loans
- Hawaii State Federal Credit Union: 105 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
