Compare Mortgage Rates
in Hawaii
Compare mortgage rates from Hawaii-licensed lenders near you. Borrow $50,000–$1,500,000 with competitive APRs, funded as fast as same day.
Mortgages in Hawaii
All mortgage offers come from lenders and loan officers licensed in Hawaii and registered with the Nationwide Multistate Licensing System (NMLS). Conforming loan limits, escrow rules, and recording procedures follow Hawaii requirements.
Availability shown for Hawaii. Information is educational, not legal advice. Terms and eligibility vary by lender and applicant profile.
Compare Mortgage Rates in Hawaii
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1-2 DaysAbout mortgage rates in Hawaii
Hawaii residents can review mortgage rates from $50,000 – $1,500,000 in a side-by-side list you can filter and sort. Kreditify only shows offers from lenders that hold the licenses required to originate in Hawaii, and we prioritize lenders that publish full APRs, fees, and repayment terms before you commit — a fit for shoppers who want funding as fast as the next business day.
Every mortgage rates offer surfaced for Hawaii comes from a lender licensed to originate in the state. Kreditify is a comparison marketplace, not a lender: listed lenders make credit decisions, disclose their own APR ranges, and service the loan under applicable state law.
Popular mortgage rates markets in Hawaii: Honolulu · Hilo · Kailua · Pearl City · Kaneohe.
Why Hawaii mortgage interest rates behave differently
Hawaii carries some of the highest conforming loan limits in the country, and even so a large share of purchases run into high-balance or jumbo pricing. That single fact explains most of the gap between a national rate table and what a Honolulu or Maui borrower is actually quoted.
Two local structures move rates further: leasehold property, which many lenders either price up or decline outright depending on remaining lease term, and condo financing, where the association's reserves and insurance drive approval. Hurricane insurance premiums also feed the DTI calculation and can shrink the loan amount you qualify for.
- Loan sizing
- High county limits, but jumbo pricing is common
- Leasehold
- Priced up or restricted by remaining lease term
- Condos
- Association reserves and insurance are underwritten
- Insurance
- Hurricane coverage counts toward DTI
Are mortgage rates higher in Hawaii?
The base rate is national, but Hawaii loans more often land in high-balance or jumbo tiers and involve leasehold or condo collateral — all of which add pricing adjustments. The practical result is that quotes vary more between Hawaii lenders than on the mainland.
Can I finance a leasehold property in Hawaii?
Yes, but fewer lenders will, and most require the lease to extend well beyond the loan term. Expect a rate premium and a shorter list of willing lenders than for fee-simple property.
What credit score do Hawaii lenders want?
700 is a practical floor for jumbo pricing and 740+ earns the best tier; FHA and VA programs in Hawaii accept lower scores with the trade-off of mortgage insurance or a funding fee.
How Ashley from Hawaii Saved Money
Before
APR
After
APR
Total savings over loan term
"I was paying almost 19% on my credit cards. Kreditify helped me consolidate everything into one low-rate loan. The process took less than a week from application to funding!"
Ashley
Hawaii
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