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Hawaii Mortgage Rates

Compare Hawaii mortgage rates and home loan options

A local mortgage-rate guide for Hawaii buyers and homeowners. Compare rate trends, estimate payments, and review closing-cost questions before you talk to a lender.

Hawaii rate snapshot

Rates pulled: Sep. 17, 2026, 12:00 PM ET

Benchmark data shown below is national rate data, not a guaranteed Hawaii quote. Use it to sanity-check lender offers and compare APR, points, credits, and lock periods.

Weekly trendHigher30-yr fixed at 6.95%, +0.19 pts vs. last week's PMMS.
30-day biasHigher, more volatileNational scenario band roughly 6.60%-7.05%.
30-year fixedMost buyers
6.95%7.02% APR
Next weekHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next monthHigher bias0.05-0.20 pts higherHigher bias. Expected move: 0.05-0.20 pts higher.
15-year fixedFaster payoff
6.26%6.36% APR
Next weekHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next monthHigher bias0.05-0.15 pts higherHigher bias. Expected move: 0.05-0.15 pts higher.
FHA 30-yearLower down payment
6.69%6.75% APR
Next weekFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next monthMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.
VA 30-yearEligible military
6.71%6.78% APR
Next weekFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next monthMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.

The next-week and next-month outlook are an educational scenario from our current 30-day model bias (modestly higher and more volatile), not a guaranteed prediction, Hawaii quote, rate-lock offer, APR promise, or financial advice. Rates can move either direction.

Benchmark source: Freddie Mac's weekly PMMS benchmark showed 6.95% for the 30-year fixed and 6.26% for the 15-year fixed as of September 17, 2026. Mortgage News Daily's daily top-tier 30-year fixed index showed 7.19% on September 17, 2026. Bankrate's national averages dated September 17, 2026 showed 30-year fixed 7.06%, 15-year fixed 6.39%, 30-year FHA 6.69%, 30-year VA 6.71%, and 30-year jumbo 7.13%. These are illustrative national averages, not a quote. Rates vary by credit, LTV, county, occupancy, property type, loan size, and lock period. This page does not display a guaranteed rate or rate lock.

30-day movement outlook

Bias: slightly higher, still volatile

Our current 30-day scenario for national 30-year fixed benchmarks is roughly 6.50% to 6.95%, with day-to-day volatility likely. Cooler inflation, softer jobs data, and lower Treasury yields could pull rates toward the lower end. Hot inflation, a hawkish Fed, or wider mortgage-bond spreads could keep rates near the upper end.

Outlook disclaimer: This is an educational scenario range, not a forecast guarantee, rate-lock offer, or financial advice. Your actual Hawaii mortgage quote can be higher or lower based on borrower profile, property details, loan terms, lender pricing, and market timing.

Hawaii mortgage tools

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Affordability calculator

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Frequently asked questions

Are Hawaii mortgage rates different from national averages?

They can be. State-level taxes, insurance costs, property types, lender competition, and local loan sizes can affect the final APR and payment.

Should I choose the lowest Hawaii advertised rate?

Not automatically. Compare APR, points, origination charges, lender credits, and rate-lock period. A lower rate can cost more if it requires high upfront points.