Mortgage Rates in Big Island, Hawaii
Compare today's best rates from Big Island — starting at 6.557% APR
Rates refreshed Nov 9 · 10:15 AM HST
$800,000
Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees. Rates whose lender page shows no date are listed last and not ranked. Lenders that do not serve this island stay in the list with a label and are not ranked.
Each row shows the date on the lender's own rate page. Verify with lender before applying.
Pearl Hawaii FCUOahu only
NCUA InsuredProduct
30-Year Fixed (A-tier)
Rate
5.750%
APR
5.973%
Est. Payment (P&I only)
$4,669/mo
Points: 2 (~$16,000 upfront)(?)Max LTV: see lenderOpen to most Hawaii residents · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
Pearl Hawaii FCUOahu only
NCUA InsuredProduct
30-Year Fixed (A-tier, No Points)
Rate
6.000%
APR
6.036%
Est. Payment (P&I only)
$4,796/mo
Points: NoneMax LTV: see lenderOpen to most Hawaii residents · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
HCFCU
NCUA Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.101%
Est. Payment (P&I only)
$4,732/mo
Points: 2 (~$16,000 upfront)(?)Max LTV: see lenderFor people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
HCFCU
NCUA Insured
Product
30-Year Fixed (No Points)
Rate
6.375%
APR
6.418%
Est. Payment (P&I only)
$4,991/mo
Points: NoneMax LTV: see lenderFor people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
Hawaii State FCU✓ Best Rate
NCUA InsuredProduct
30-Year Fixed
Rate
6.375%
APR
6.557%
Est. Payment (P&I only)
$4,991/mo
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points; APRs include a limited-time reduction of one origination point. Rates and APRs are "as low as".
BOH
FDIC Insured
Product
30-Year Fixed
Rate
6.500%
APR
6.671%
Est. Payment (P&I only)
$5,057/mo
Points: 1.75 (~$14,000 upfront)(?)Max LTV: 80%Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · source
HIFICU
Hawaiian Financial FCUOahu and Maui County only
NCUA InsuredProduct
30-Year Fixed
Rate
6.375%
APR
6.677%
Est. Payment (P&I only)
$4,991/mo
Points: 2.375 (~$19,000 upfront)(?)Max LTV: see lenderFor people who live, work, worship or go to school on Oahu or in Maui County · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.686%
Est. Payment (P&I only)
$5,122/mo
Points: 0.625 (~$5,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points; APRs include a limited-time reduction of one origination point. Rates and APRs are "as low as".
HIFICU
Hawaiian Financial FCUOahu and Maui County only
NCUA InsuredProduct
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.832%
Est. Payment (P&I only)
$5,122/mo
Points: 1.375 (~$11,000 upfront)(?)Max LTV: see lenderFor people who live, work, worship or go to school on Oahu or in Maui County · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
LFCU
Lokahi FCUOahu residents only
NCUA InsuredProduct
30-Year Fixed
Rate
6.500%
APR
6.880%
Est. Payment (P&I only)
$5,057/mo
Points: 1.75 (~$14,000 upfront)(?)Max LTV: see lenderFor people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
FDIC Insured
Product
30-Year Fixed
Rate
6.625%
APR
6.881%
Est. Payment (P&I only)
$5,122/mo
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · source
FF
FDIC Insured
Product
30-Year Fixed
Rate
6.500%
APR
6.884%
Est. Payment (P&I only)
$5,057/mo
Points: 2.375 (~$19,000 upfront)(?)Max LTV: see lenderChecked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: Purchase loans for owner-occupied Hawaii homes; APR based on a $200,000 loan with 20% down. Maximum loan $1,249,125 (Honolulu, Kauai and Hawaii counties) or $1,299,500 (Maui and Kalawao).
FDIC Insured
Product
30-Year Fixed
Rate
6.625%
APR
6.950%
Est. Payment (P&I only)
$5,122/mo
Points: 2.25 (~$18,000 upfront)(?)Max LTV: 80%Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · source
CPB
FDIC Insured
Product
30-Year Fixed
Rate
6.625%
APR
6.980%
Est. Payment (P&I only)
$5,122/mo
Points: 2.125 (~$17,000 upfront)(?)Max LTV: 80%Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: Priced with a 30-day rate lock.
LFCU
Lokahi FCUOahu residents only
NCUA InsuredProduct
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.984%
Est. Payment (P&I only)
$5,122/mo
Points: 1.5 (~$12,000 upfront)(?)Max LTV: see lenderFor people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
HNB
FDIC Insured
Product
30-Year Fixed
Rate
6.625%
APR
7.030%
Est. Payment (P&I only)
$5,122/mo
Points: 2 (~$16,000 upfront)(?)Max LTV: see lenderChecked Nov 9, 2026Lender's page dated Nov 6, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
UHFCU
UH FCUNot ranked · no lender date
NCUA InsuredProduct
30-Year Fixed
Rate
6.125%
APR
6.362%
Est. Payment (P&I only)
$4,861/mo
Points: 2 (~$16,000 upfront)(?)Max LTV: see lenderFor UH faculty, staff, students and alumni, and certain other groups · Check eligibility →Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Rates shown assume 20% down payment, owner-occupied primary residence in Hawaii, qualified borrower (720+ credit score), and approximately 45-day rate lock. Actual rates vary based on your specific situation.
About Mortgage Rates in Big Island
Big Island is served by all major Hawaii financial institutions including First Hawaiian Bank, Bank of Hawaii, Central Pacific Bank, American Savings Bank, and several local credit unions. Hawaii's conforming loan limit of $1,249,125 is among the highest in the nation, reflecting the state's high cost of living and real estate market. Most Big Island home buyers will find competitive rates from both banks and credit unions listed above. Credit unions often offer slightly lower rates due to their non-profit structure, though banks may provide faster processing times.
Hawaii Mortgage Calculator
Defaults reflect Hawaii's high conforming limit of $1,249,125
$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919
Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.