This is his third career PGA Tour title and he of course has now captured the Tour's season-opening tournament each of the last two seasons. Finau then got in at 13 under with a closing birdie, but Steele finished par-birdie to post at 15 under.
Steele had a big season previous year.
Zach Johnson, the 12-time PGA Tour victor playing the event for the first time, had a 68 with five birdies and a bogey.
Five-time major champion Phil Mickelson also remains in the hunt to claim his first title since the 2013 Open Championship as he is just four shots behind Duncan after his third-round 68. I had a really good ball-striking day. After pars on 16 and 17, Finau had a 40-foot eagle putt on the 18th and settled for birdie and a 69. "I was hitting great shots, good putts and got some good breaks".
Hoge, beginning his fourth PGA Tour season, had seven birdies.
John Daly, the two-time major victor who won the PGA Tour Champions Insperity Invitational in May, had a 74.
The 2015 Australian Open Champion did drop shots at the 7th and 14th holes but overall it was a solid day and he now has opportunity to make progress over the weekend. He has never finished in the top 10 in a Grand Slam event.
Finau's round consisted of an eagle-3 on No. 5, birdies on Nos.
World number 29 Phil Mickelson may not have been in the best form over the last few years but that has not deterred him from seeing the amusing side of his wayward hitting. "I didn't hit a lot of quality shots off the tee coming in like I needed to".
Finishing tied for third were Phil Mickelson and Chesson Hadley at 12-under par, with the latter shooting a 1-over par 73 on Sunday.
3 - It was a hard final round for Tour rookie Tyler Duncan. He got it going on the back nine, making birdies on the last three holes.
Duncan is now 9/2 joint favourite alongside Chesson Hadley, who shot 70 to move within a stroke of the lead. He trailed by one shot after his birdie on No. 16. Emiliano Grillo (68) of Argentina, the victor in 2015, was tied for fifth place with Canada's Graham DeLaet (69) at 11 under par. Daly has missed the cut in 12 straight PGA Tour events.