Hilo Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Hilo averaged
6.98%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
7.03% and
one month ago for the week of 2025-06-05, the
average rate was 7.01%.
Hilo's average rate one year ago was 7.31%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.12%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Hilo 30 Year Fixed Rate | 2025-07-10 | 6.98% |
| Hilo 30 Year Fixed Rate Refi | 2025-07-10 | 7.12% |
| Hilo 15 Year Fixed Rate | 2025-07-10 | 5.86% |
| Hilo 15 Year Fixed Rate Refi | 2025-07-10 | 6.36% |
| Hilo 30 Year FHA | 2025-07-10 | 6.26% |
| Hilo 30 Year FHA Refi | 2025-07-10 | 6.42% |
| Hilo 30 Year USDA | 2025-07-10 | 6.45% |
| Hilo 30 Year USDA Refi | 2025-07-10 | 6.55% |
| Hilo 30 Year VA | 2025-07-10 | 6.53% |
| Hilo 30 Year VA Refi | 2025-07-10 | 6.17% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hilo, HI.
Hilo Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Hilo, HI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Hilo Average Closing Costs & Other Stats
Hilo, HI's 124 lenders originated 2,764
loans during 2024. The total origination value was $1,440,880,000, with an average loan value of
$521,302.
Hilo's average closing costs are $7,974.
The top Hilo lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
125 loans originated. Their average total fees are
$10,814, which is $301
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Hilo lenders (with over 10 loans originated) are
Central Pacific Bank ($5,841), BM Real Estate Services, Inc. ($6,253), GUARANTEED RATE, INC. ($8,176), LOANDEPOT.COM, LLC ($8,449) and FREEDOM MORTGAGE CORPORATION ($8,710).
The lowest rate Hilo lenders (with over 10 loans originated) are
Wells Fargo Bank (6.32%), Century Mortgage Company DBA Century Lending Company (6.43%), American Savings Bank, FSB (6.47%), PLAZA HOME MORTGAGE, INC. (6.50%) and PENNYMAC LOAN SERVICES, LLC (6.53%).
Hilo, HI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $90,690,000 | $115,160,000 | 27.0% | 8.0% |
| First Hawaiian Bank | $73,150,000 | $107,760,000 | 47.3% | 7.5% |
| QUICKEN LOANS, LLC | $48,510,000 | $80,830,000 | 66.6% | 5.6% |
| JPMorgan Chase Bank | $44,365,000 | $61,320,000 | 38.2% | 4.3% |
| V.I.P. MORTGAGE, INC. | $93,780,000 | $59,885,000 | -36.1% | 4.2% |
| NFM, INC. | $7,900,000 | $52,695,000 | 567.0% | 3.7% |
| GUILD MORTGAGE COMPANY | $11,640,000 | $47,560,000 | 308.6% | 3.3% |
| FREEDOM MORTGAGE CORPORATION | $15,500,000 | $42,940,000 | 177.0% | 3.0% |
| UBS Bank USA | $4,505,000 | $42,770,000 | 849.4% | 3.0% |
| Bank of Hawaii | $107,645,000 | $42,380,000 | -60.6% | 2.9% |
| Century Mortgage Company DBA Century Lending Company | $6,595,000 | $30,930,000 | 369.0% | 2.1% |
| GUARANTEED RATE, INC. | $21,765,000 | $28,570,000 | 31.3% | 2.0% |
| Mortgage Research Center, LLC | $14,870,000 | $28,055,000 | 88.7% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $10,580,000 | $27,675,000 | 161.6% | 1.9% |
| U.S. Bank | $13,960,000 | $25,610,000 | 83.5% | 1.8% |
| CMG MORTGAGE, INC. | $15,155,000 | $23,885,000 | 57.6% | 1.7% |
| LENDSURE MORTGAGE CORP. | $2,945,000 | $22,470,000 | 663.0% | 1.6% |
| Morgan Stanley Private Bank | $16,990,000 | $22,150,000 | 30.4% | 1.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $11,090,000 | $19,915,000 | 79.6% | 1.4% |
| American Savings Bank, FSB | $39,105,000 | $19,495,000 | -50.1% | 1.4% |
| Bank of America | $11,720,000 | $19,360,000 | 65.2% | 1.3% |
| HOMEXPRESS MORTGAGE CORP. | $8,230,000 | $19,245,000 | 133.8% | 1.3% |
| Citibank | $12,365,000 | $18,145,000 | 46.7% | 1.3% |
| Citadel Servicing Corporation | $12,780,000 | $17,385,000 | 36.0% | 1.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $17,135,000 | $16,595,000 | -3.2% | 1.2% |
| NEWREZ LLC | $7,600,000 | $16,435,000 | 116.3% | 1.1% |
| BMO Harris Bank | $11,610,000 | $15,240,000 | 31.3% | 1.1% |
| Central Pacific Bank | $19,190,000 | $15,105,000 | -21.3% | 1.0% |
| LOANDEPOT.COM, LLC | $14,965,000 | $14,140,000 | -5.5% | 1.0% |
| Wells Fargo Bank | $5,235,000 | $13,960,000 | 166.7% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,895,000 | $13,305,000 | 49.6% | 0.9% |
| BM Real Estate Services, Inc. | $3,710,000 | $11,275,000 | 203.9% | 0.8% |
| Raymond James Bank | $955,000 | $10,335,000 | 982.2% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,375,000 | $9,395,000 | 583.3% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $11,075,000 | $9,360,000 | -15.5% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $16,210,000 | $9,325,000 | -42.5% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $11,365,000 | $9,095,000 | -20.0% | 0.6% |
| The Loan Store, Inc. | $8,180,000 | n/a | 0.6% | |
| NEXERA HOLDING LLC | $6,725,000 | $8,135,000 | 21.0% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $11,420,000 | $7,465,000 | -34.6% | 0.5% |
| Commerce Home Mortgage, Inc. | $10,215,000 | $7,215,000 | -29.4% | 0.5% |
| HAWAIIUSA FEDERAL CREDIT UNION | $13,905,000 | $6,815,000 | -51.0% | 0.5% |
| DAS Acquisition Company, LLC | $7,865,000 | $6,150,000 | -21.8% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,660,000 | $5,570,000 | 52.2% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $2,115,000 | $5,460,000 | 158.2% | 0.4% |
| MidFirst Bank | $1,000,000 | $5,310,000 | 431.0% | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | $5,470,000 | $5,190,000 | -5.1% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,700,000 | $5,155,000 | 203.2% | 0.4% |
| Carrington Mortgage Services, LLC | $995,000 | $5,115,000 | 414.1% | 0.4% |
| HighTechLending Inc | $2,735,000 | $4,865,000 | 77.9% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $5,955,000 | $4,640,000 | -22.1% | 0.3% |
| Charles Schwab Bank, SSB | $7,635,000 | $4,605,000 | -39.7% | 0.3% |
| OCMBC, INC. | $3,670,000 | $4,510,000 | 22.9% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,500,000 | $4,430,000 | 77.2% | 0.3% |
| Cornerstone First Mortgage, Inc | $3,410,000 | $4,280,000 | 25.5% | 0.3% |
| NBKC BANK | $2,110,000 | $4,175,000 | 97.9% | 0.3% |
| The Federal Savings Bank | $2,835,000 | $4,025,000 | 42.0% | 0.3% |
| KINECTA | $2,980,000 | $4,005,000 | 34.4% | 0.3% |
| Finance Factors, Limited | $19,480,000 | $3,965,000 | -79.6% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $8,095,000 | $3,845,000 | -52.5% | 0.3% |
| Flagstar Bank, FSB | $4,785,000 | $3,810,000 | -20.4% | 0.3% |
| PNC Bank | $1,090,000 | $3,810,000 | 249.5% | 0.3% |
| ALLIANT CREDIT UNION | $390,000 | $3,770,000 | 866.7% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,610,000 | $3,680,000 | 1.9% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $4,450,000 | $3,590,000 | -19.3% | 0.2% |
| Performance Financial, Inc. | $3,555,000 | n/a | 0.2% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $5,630,000 | $3,410,000 | -39.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,940,000 | $3,380,000 | 15.0% | 0.2% |
| Goldman Sachs Bank USA | $3,300,000 | n/a | 0.2% | |
| HomeStreet Bank | $4,460,000 | $2,980,000 | -33.2% | 0.2% |
| Home Mortgage Alliance Corp | $2,945,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $610,000 | $2,805,000 | 359.8% | 0.2% |
| HAWAII STATE FEDERAL CREDIT UNION | $2,485,000 | $2,745,000 | 10.5% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $1,830,000 | $2,490,000 | 36.1% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $6,285,000 | $2,465,000 | -60.8% | 0.2% |
| KeyBank | $6,470,000 | $2,445,000 | -62.2% | 0.2% |
| Pacific Lending LLC | $2,445,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $305,000 | $2,420,000 | 693.4% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $975,000 | $2,380,000 | 144.1% | 0.2% |
| PACIFIC HOME LOANS, INC. | $2,250,000 | n/a | 0.2% | |
| Logan Finance Corporation | $2,180,000 | n/a | 0.2% | |
| M&T Bank | $255,000 | $2,125,000 | 733.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $2,015,000 | n/a | 0.1% | |
| Libertyville Bank & Trust | $2,005,000 | n/a | 0.1% | |
| Plains Commerce Bank | $2,255,000 | $1,910,000 | -15.3% | 0.1% |
| First-Citizens Bank & Trust Company | $1,205,000 | $1,885,000 | 56.4% | 0.1% |
| USAA Federal Savings Bank | $1,565,000 | $1,850,000 | 18.2% | 0.1% |
| BROKER SOLUTIONS, INC. | $1,845,000 | n/a | 0.1% | |
| HAWAIIAN FINANCIAL | $5,720,000 | $1,835,000 | -67.9% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $1,805,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $3,420,000 | $1,760,000 | -48.5% | 0.1% |
| Northpointe Bank | $2,900,000 | $1,625,000 | -44.0% | 0.1% |
| BAY EQUITY LLC | $850,000 | $1,565,000 | 84.1% | 0.1% |
| Ameris Bank | $1,920,000 | $1,560,000 | -18.8% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $6,015,000 | $1,560,000 | -74.1% | 0.1% |
| Ally Bank | $1,550,000 | n/a | 0.1% | |
| FUNDLOANS CAPITAL | $1,525,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,870,000 | $1,515,000 | -19.0% | 0.1% |
| UMB Bank | $1,505,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $255,000 | $1,465,000 | 474.5% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $685,000 | $1,445,000 | 110.9% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $345,000 | $1,405,000 | 307.2% | 0.1% |
| NEW DAY FINANCIAL, LLC | $730,000 | $1,385,000 | 89.7% | 0.1% |
| Axos Bank | $1,365,000 | n/a | 0.1% | |
| Nations Lending Corporation | $21,335,000 | $1,345,000 | -93.7% | 0.1% |
| Discover Bank | $1,490,000 | $1,295,000 | -13.1% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $135,000 | $1,250,000 | 825.9% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,170,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $2,485,000 | $1,165,000 | -53.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,000,000 | $1,150,000 | 15.0% | 0.1% |
| ADVANCIAL | $680,000 | $1,135,000 | 66.9% | 0.1% |
| TEACHERS | $1,125,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $1,115,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $1,110,000 | n/a | 0.1% | |
| HILTON FINANCIAL CORPORATION | $1,070,000 | n/a | 0.1% | |
| NexBank | $640,000 | $1,015,000 | 58.6% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,775,000 | $970,000 | -65.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $965,000 | n/a | 0.1% | |
| ONE NEVADA CREDIT UNION | $935,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $930,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $2,710,000 | $920,000 | -66.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $305,000 | $915,000 | 200.0% | 0.1% |
| FBC MORTGAGE, LLC | $905,000 | n/a | 0.1% | |
| ARC HOME LLC | $890,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $455,000 | $860,000 | 89.0% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $800,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $735,000 | $785,000 | 6.8% | 0.1% |
| Five Points Bank | $755,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $1,200,000 | $755,000 | -37.1% | 0.1% |
| Territorial Savings Bank | $1,365,000 | $750,000 | -45.1% | 0.1% |
| University of Hawaii Federal Credit Union | $730,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $705,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $215,000 | $660,000 | 207.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $2,780,000 | $650,000 | -76.6% | 0.0% |
| First Federal Bank | $645,000 | n/a | 0.0% | |
| Commerce Bank | $635,000 | n/a | 0.0% | |
| S1L, Inc. | $325,000 | $635,000 | 95.4% | 0.0% |
| Firefighters First Federal Credit Union | $615,000 | n/a | 0.0% | |
| The Central Trust Bank | $595,000 | n/a | 0.0% | |
| First Western Trust Bank | $875,000 | $580,000 | -33.7% | 0.0% |
| NMSI, INC. | $555,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $520,000 | n/a | 0.0% | |
| BNY Mellon | $4,715,000 | $515,000 | -89.1% | 0.0% |
| Merchants Mortgage & Trust Corporation | $695,000 | $515,000 | -25.9% | 0.0% |
| Franklin Loan Corporation | $505,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $490,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $310,000 | $485,000 | 56.5% | 0.0% |
| Farmers Bank & Trust | $445,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $445,000 | n/a | 0.0% | |
| ML Mortgage Corp. | $435,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $405,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $395,000 | n/a | 0.0% | |
| Quontic Bank | $480,000 | $390,000 | -18.8% | 0.0% |
| AMERICAN FINANCING CORPORATION | $105,000 | $385,000 | 266.7% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,255,000 | $385,000 | -69.3% | 0.0% |
| ALKAN MORTGAGE CORPORATION | $365,000 | n/a | 0.0% | |
| Farm Credit Mid-America, ACA | $355,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $3,375,000 | $355,000 | -89.5% | 0.0% |
| CLEARPATH LENDING | $305,000 | $345,000 | 13.1% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $345,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $765,000 | $335,000 | -56.2% | 0.0% |
| North American Savings Bank, F.S.B. | $315,000 | n/a | 0.0% | |
| Texana Bank | $295,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $425,000 | $275,000 | -35.3% | 0.0% |
| ALOHA PACIFIC | $1,225,000 | $270,000 | -78.0% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $265,000 | n/a | 0.0% | |
| ONY GLO, INC. | $265,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $235,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $220,000 | n/a | 0.0% | |
| TOWER | $145,000 | $205,000 | 41.4% | 0.0% |
| LOANPAL, LLC | $285,000 | $65,000 | -77.2% | 0.0% |
Hilo's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.0% market share. In second place, with 7.5%, is First Hawaiian Bank, having originated $107,760,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $80,830,000 in loans. In fourth place, with 4.3%, is JPMorgan Chase Bank, having originated $61,320,000 in loans. In fifth place, with 4.2%, is V.I.P. MORTGAGE, INC., having originated $59,885,000 in loans.
Hilo Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Hilo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $499,500 (0.1%) | $1,027,693 (3.5%) | 1.85 | 1,446 |
| 2018-02-01 | $499,000 (0.2%) | $1,021,937 (4.8%) | 1.81 | 1,477 |
| 2018-03-01 | $499,000 (1.7%) | $1,027,015 (7.6%) | 1.75 | 1,398 |
| 2018-04-01 | $499,000 (1.4%) | $999,257 (1.5%) | 1.69 | 1,357 |
| 2018-05-01 | $499,000 (5.2%) | $1,015,049 (1.9%) | 1.67 | 1,317 |
| 2018-06-01 | $499,000 (5.8%) | $1,017,797 (3.3%) | 1.66 | 1,352 |
| 2018-07-01 | $499,350 (4.1%) | $1,016,596 (3.0%) | 1.67 | 1,361 |
| 2018-08-01 | $499,000 (2.0%) | $1,011,483 (-1.6%) | 1.67 | 1,374 |
| 2018-09-01 | $479,000 (-1.2%) | $986,136 (-3.2%) | 1.61 | 1,366 |
| 2018-10-01 | $459,375 (-3.6%) | $940,464 (-4.3%) | 1.56 | 1,385 |
| 2018-11-01 | $452,500 (-4.1%) | $914,093 (-4.8%) | 1.53 | 1,458 |
| 2018-12-01 | $469,900 (-3.9%) | $971,167 (-0.2%) | 1.62 | 1,502 |
| 2019-01-01 | $484,000 (-3.1%) | $982,233 (-4.4%) | 1.67 | 1,587 |
| 2019-02-01 | $484,500 (-2.9%) | $1,010,645 (-1.1%) | 1.64 | 1,616 |
| 2019-03-01 | $480,857 (-3.6%) | $1,013,424 (-1.3%) | 1.57 | 1,588 |
| 2019-04-01 | $469,750 (-5.9%) | $1,012,014 (1.3%) | 1.49 | 1,573 |
| 2019-05-01 | $467,375 (-6.3%) | $1,018,600 (0.4%) | 1.46 | 1,537 |
| 2019-06-01 | $449,900 (-9.8%) | $1,007,027 (-1.1%) | 1.41 | 1,514 |
| 2019-07-01 | $449,450 (-10.0%) | $993,279 (-2.3%) | 1.41 | 1,481 |
| 2019-08-01 | $443,545 (-11.1%) | $1,017,687 (0.6%) | 1.40 | 1,465 |
| 2019-09-01 | $435,364 (-9.1%) | $1,015,669 (3.0%) | 1.39 | 1,438 |
| 2019-10-01 | $432,409 (-5.9%) | $1,022,247 (8.7%) | 1.40 | 1,418 |
| 2019-11-01 | $439,250 (-2.9%) | $1,043,382 (14.1%) | 1.44 | 1,444 |
| 2019-12-01 | $429,000 (-8.7%) | $1,035,821 (6.7%) | 1.43 | 1,443 |
| 2020-01-01 | $444,450 (-8.2%) | $1,065,904 (8.5%) | 1.49 | 1,397 |
| 2020-02-01 | $447,000 (-7.7%) | $1,086,716 (7.5%) | 1.46 | 1,368 |
| 2020-03-01 | $430,950 (-10.4%) | $1,065,382 (5.1%) | 1.35 | 1,380 |
| 2020-04-01 | $419,675 (-10.7%) | $994,660 (-1.7%) | 1.31 | 1,318 |
| 2020-05-01 | $449,000 (-3.9%) | $1,021,978 (0.3%) | 1.36 | 1,297 |
| 2020-06-01 | $461,500 (2.6%) | $1,044,978 (3.8%) | 1.36 | 1,271 |
| 2020-07-01 | $458,500 (2.0%) | $1,095,762 (10.3%) | 1.33 | 1,171 |
| 2020-08-01 | $449,900 (1.4%) | $1,120,367 (10.1%) | 1.29 | 1,122 |
| 2020-09-01 | $491,125 (12.8%) | $1,215,921 (19.7%) | 1.41 | 1,028 |
| 2020-10-01 | $499,000 (15.4%) | $1,294,728 (26.7%) | 1.43 | 1,002 |
| 2020-11-01 | $499,000 (13.6%) | $1,283,744 (23.0%) | 1.46 | 956 |
| 2020-12-01 | $499,000 (16.3%) | $1,330,888 (28.5%) | 1.48 | 910 |
| 2021-01-01 | $499,000 (12.3%) | $1,325,019 (24.3%) | 1.49 | 832 |
| 2021-02-01 | $488,750 (9.3%) | $1,356,891 (24.9%) | 1.42 | 662 |
| 2021-03-01 | $490,000 (13.7%) | $1,453,456 (36.4%) | 1.39 | 557 |
| 2021-04-01 | $476,000 (13.4%) | $1,344,306 (35.2%) | 1.29 | 525 |
| 2021-05-01 | $540,000 (20.3%) | $1,232,227 (20.6%) | 1.43 | 464 |
| 2021-06-01 | $563,875 (22.2%) | $1,305,742 (25.0%) | 1.48 | 444 |
| 2021-07-01 | $549,500 (19.9%) | $1,297,349 (18.4%) | 1.45 | 411 |
| 2021-08-01 | $550,000 (22.3%) | $1,227,367 (9.6%) | 1.47 | 436 |
| 2021-09-01 | $577,500 (17.6%) | $1,163,722 (-4.3%) | 1.54 | 494 |
| 2021-10-01 | $549,000 (10.0%) | $1,226,055 (-5.3%) | 1.46 | 492 |
| 2021-11-01 | $525,000 (5.2%) | $1,368,781 (6.6%) | 1.40 | 487 |
| 2021-12-01 | $538,000 (7.8%) | $1,335,776 (0.4%) | 1.46 | 468 |
| 2022-01-01 | $527,000 (5.6%) | $1,485,071 (12.1%) | 1.42 | 453 |
| 2022-02-01 | $517,500 (5.9%) | $1,444,549 (6.5%) | 1.35 | 453 |
| 2022-03-01 | $512,875 (4.7%) | $1,418,551 (-2.4%) | 1.28 | 455 |
| 2022-04-01 | $515,000 (8.2%) | $1,370,457 (2.0%) | 1.23 | 444 |
| 2022-05-01 | $564,500 (4.5%) | $1,336,610 (8.5%) | 1.29 | 497 |
| 2022-06-01 | $627,000 (11.2%) | $1,277,921 (-2.1%) | 1.40 | 571 |
| 2022-07-01 | $649,000 (18.1%) | $1,225,441 (-5.5%) | 1.46 | 684 |
| 2022-08-01 | $640,750 (16.5%) | $1,217,395 (-0.8%) | 1.48 | 702 |
| 2022-09-01 | $625,000 (8.2%) | $1,189,718 (2.2%) | 1.46 | 680 |
| 2022-10-01 | $599,950 (9.3%) | $1,177,805 (-3.9%) | 1.41 | 727 |
| 2022-11-01 | $605,500 (15.3%) | $1,160,231 (-15.2%) | 1.46 | 758 |
| 2022-12-01 | $599,000 (11.3%) | $1,162,843 (-13.0%) | 1.48 | 778 |
| 2023-01-01 | $630,000 (19.5%) | $1,329,581 (-10.5%) | 1.56 | 750 |
| 2023-02-01 | $599,250 (15.8%) | $1,305,048 (-9.7%) | 1.45 | 747 |
| 2023-03-01 | $628,000 (22.5%) | $1,388,714 (-2.1%) | 1.48 | 707 |
| 2023-04-01 | $645,000 (25.2%) | $1,409,083 (2.8%) | 1.50 | 661 |
| 2023-05-01 | $616,972 (9.3%) | $1,377,894 (3.1%) | 1.40 | 638 |
| 2023-06-01 | $610,625 (-2.6%) | $1,424,037 (11.4%) | 1.37 | 658 |
| 2023-07-01 | $598,000 (-7.9%) | $1,355,545 (10.6%) | 1.36 | 690 |
| 2023-08-01 | $583,250 (-9.0%) | $1,363,697 (12.0%) | 1.34 | 677 |
| 2023-09-01 | $595,000 (-4.8%) | $1,369,956 (15.2%) | 1.39 | 693 |
| 2023-10-01 | $620,000 (3.3%) | $1,390,206 (18.0%) | 1.46 | 717 |
| 2023-11-01 | $646,925 (6.8%) | $1,400,273 (20.7%) | 1.54 | 780 |
| 2023-12-01 | $645,000 (7.7%) | $1,410,416 (21.3%) | 1.57 | 818 |
| 2024-01-01 | $645,250 (2.4%) | $1,329,859 (0.0%) | 1.58 | 846 |
| 2024-02-01 | $633,250 (5.7%) | $1,297,565 (-0.6%) | 1.52 | 880 |
| 2024-03-01 | $645,000 (2.7%) | $1,346,637 (-3.0%) | 1.52 | 868 |
| 2024-04-01 | $647,750 (0.4%) | $1,444,540 (2.5%) | 1.51 | 886 |
| 2024-05-01 | $651,750 (5.6%) | $1,414,915 (2.7%) | 1.48 | 884 |
| 2024-06-01 | $640,000 (4.8%) | $1,418,379 (-0.4%) | 1.45 | 942 |
| 2024-07-01 | $633,500 (5.9%) | $1,405,452 (3.7%) | 1.45 | 1,015 |
| 2024-08-01 | $650,000 (11.4%) | $1,399,803 (2.7%) | 1.51 | 1,044 |
| 2024-09-01 | $654,750 (10.0%) | $1,315,641 (-4.0%) | 1.54 | 1,031 |
| 2024-10-01 | $646,821 (4.3%) | $1,326,353 (-4.6%) | 1.52 | 1,029 |
| 2024-11-01 | $672,500 (4.0%) | $1,338,362 (-4.4%) | 1.61 | 1,080 |
| 2024-12-01 | $699,000 (8.4%) | $1,447,631 (2.6%) | 1.74 | 1,086 |
| 2025-01-01 | $725,000 (12.4%) | $1,469,095 (10.5%) | 1.81 | 1,108 |
| 2025-02-01 | $704,250 (11.2%) | $1,476,067 (13.8%) | 1.71 | 1,166 |
| 2025-03-01 | $699,000 (8.4%) | $1,462,625 (8.6%) | 1.65 | 1,204 |
| 2025-04-01 | $689,250 (6.4%) | $1,396,293 (-3.3%) | 1.60 | 1,255 |
| 2025-05-01 | $685,000 (5.1%) | $1,347,648 (-4.8%) | 1.56 | 1,282 |
| 2025-06-01 | $680,000 (6.3%) | $1,358,848 (-4.2%) | 1.54 | 1,171 |
Hilo's median listing price for 2025-06-01 was $680,000, a difference of
$40,000
(6.3%) versus the prior year and
$-5,000 versus the prior month.
Hilo's median listing price comes in at 154% of the national average.
Hilo's average listing price for 2025-06-01 was $1,358,848, a difference of $-59,531 (-4.2%) versus the prior year and $11,200 versus the prior month.
For the 2025-06-01 period, Hilo had 1,171 MLS listings, a difference of -111 listings (-9%) versus the prior month and 229 listings (24%) versus the prior year.
Hilo's median listing price comes in at 154% of the national average.
Hilo's average listing price for 2025-06-01 was $1,358,848, a difference of $-59,531 (-4.2%) versus the prior year and $11,200 versus the prior month.
For the 2025-06-01 period, Hilo had 1,171 MLS listings, a difference of -111 listings (-9%) versus the prior month and 229 listings (24%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Hilo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 91 days | 1,565 sqft |
| 2018-02-01 | 88 days | 1,551 sqft |
| 2018-03-01 | 88 days | 1,544 sqft |
| 2018-04-01 | 87 days | 1,557 sqft |
| 2018-05-01 | 90 days | 1,550 sqft |
| 2018-06-01 | 91 days | 1,567 sqft |
| 2018-07-01 | 94 days | 1,577 sqft |
| 2018-08-01 | 94 days | 1,566 sqft |
| 2018-09-01 | 92 days | 1,562 sqft |
| 2018-10-01 | 93 days | 1,545 sqft |
| 2018-11-01 | 86 days | 1,550 sqft |
| 2018-12-01 | 85 days | 1,568 sqft |
| 2019-01-01 | 83 days | 1,568 sqft |
| 2019-02-01 | 82 days | 1,584 sqft |
| 2019-03-01 | 84 days | 1,584 sqft |
| 2019-04-01 | 86 days | 1,584 sqft |
| 2019-05-01 | 92 days | 1,582 sqft |
| 2019-06-01 | 94 days | 1,560 sqft |
| 2019-07-01 | 96 days | 1,554 sqft |
| 2019-08-01 | 101 days | 1,549 sqft |
| 2019-09-01 | 101 days | 1,542 sqft |
| 2019-10-01 | 101 days | 1,539 sqft |
| 2019-11-01 | 96 days | 1,539 sqft |
| 2019-12-01 | 96 days | 1,514 sqft |
| 2020-01-01 | 96 days | 1,508 sqft |
| 2020-02-01 | 93 days | 1,538 sqft |
| 2020-03-01 | 88 days | 1,500 sqft |
| 2020-04-01 | 90 days | 1,458 sqft |
| 2020-05-01 | 98 days | 1,486 sqft |
| 2020-06-01 | 105 days | 1,496 sqft |
| 2020-07-01 | 105 days | 1,529 sqft |
| 2020-08-01 | 84 days | 1,516 sqft |
| 2020-09-01 | 78 days | 1,502 sqft |
| 2020-10-01 | 78 days | 1,506 sqft |
| 2020-11-01 | 76 days | 1,471 sqft |
| 2020-12-01 | 75 days | 1,469 sqft |
| 2021-01-01 | 81 days | 1,486 sqft |
| 2021-02-01 | 82 days | 1,486 sqft |
| 2021-03-01 | 61 days | 1,515 sqft |
| 2021-04-01 | 52 days | 1,476 sqft |
| 2021-05-01 | 50 days | 1,524 sqft |
| 2021-06-01 | 48 days | 1,522 sqft |
| 2021-07-01 | 52 days | 1,492 sqft |
| 2021-08-01 | 46 days | 1,440 sqft |
| 2021-09-01 | 43 days | 1,500 sqft |
| 2021-10-01 | 47 days | 1,440 sqft |
| 2021-11-01 | 56 days | 1,451 sqft |
| 2021-12-01 | 56 days | 1,439 sqft |
| 2022-01-01 | 53 days | 1,455 sqft |
| 2022-02-01 | 52 days | 1,408 sqft |
| 2022-03-01 | 45 days | 1,390 sqft |
| 2022-04-01 | 46 days | 1,419 sqft |
| 2022-05-01 | 44 days | 1,418 sqft |
| 2022-06-01 | 47 days | 1,425 sqft |
| 2022-07-01 | 48 days | 1,461 sqft |
| 2022-08-01 | 58 days | 1,485 sqft |
| 2022-09-01 | 68 days | 1,458 sqft |
| 2022-10-01 | 71 days | 1,456 sqft |
| 2022-11-01 | 72 days | 1,462 sqft |
| 2022-12-01 | 76 days | 1,430 sqft |
| 2023-01-01 | 82 days | 1,456 sqft |
| 2023-02-01 | 80 days | 1,442 sqft |
| 2023-03-01 | 83 days | 1,451 sqft |
| 2023-04-01 | 78 days | 1,464 sqft |
| 2023-05-01 | 69 days | 1,447 sqft |
| 2023-06-01 | 70 days | 1,492 sqft |
| 2023-07-01 | 67 days | 1,440 sqft |
| 2023-08-01 | 76 days | 1,419 sqft |
| 2023-09-01 | 78 days | 1,437 sqft |
| 2023-10-01 | 71 days | 1,506 sqft |
| 2023-11-01 | 74 days | 1,500 sqft |
| 2023-12-01 | 75 days | 1,520 sqft |
| 2024-01-01 | 77 days | 1,492 sqft |
| 2024-02-01 | 74 days | 1,455 sqft |
| 2024-03-01 | 79 days | 1,447 sqft |
| 2024-04-01 | 78 days | 1,460 sqft |
| 2024-05-01 | 77 days | 1,500 sqft |
| 2024-06-01 | 75 days | 1,446 sqft |
| 2024-07-01 | 79 days | 1,441 sqft |
| 2024-08-01 | 83 days | 1,429 sqft |
| 2024-09-01 | 86 days | 1,416 sqft |
| 2024-10-01 | 86 days | 1,388 sqft |
| 2024-11-01 | 82 days | 1,424 sqft |
| 2024-12-01 | 85 days | 1,436 sqft |
| 2025-01-01 | 88 days | 1,446 sqft |
| 2025-02-01 | 85 days | 1,420 sqft |
| 2025-03-01 | 78 days | 1,412 sqft |
| 2025-04-01 | 81 days | 1,412 sqft |
| 2025-05-01 | 86 days | 1,402 sqft |
| 2025-06-01 | 87 days | 1,397 sqft |
Hilo's median listing age (time on market) for 2025-06-01 was 87 days.
This
is 15%
longer
than the same period one year ago.
Hilo's median square footage for active listings during the 2025-06-01 period was 1,397 sqft. One year prior, the average listing was 1,446 sqft.
Hilo's median square footage for active listings during the 2025-06-01 period was 1,397 sqft. One year prior, the average listing was 1,446 sqft.
Hilo, HI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,581 | $992,035,000 | $627,473 |
| Cash Out Refi | 407 | $174,935,000 | $429,816 |
| Refi | 354 | $171,900,000 | $485,593 |
| Other | 251 | $67,505,000 | $268,944 |
| Home Improvement | 167 | $30,485,000 | $182,545 |
| NA | 4 | $4,020,000 | $1,005,000 |
Hilo's most frequently cited loan purpose was Home Purchase, with 1,581 originations. The 2nd most popular reason was Cash Out Refi, with 407 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,111 | $622,975,000 | $560,734 |
| 7-8% | 735 | $357,455,000 | $486,333 |
| 5-6% | 435 | $275,505,000 | $633,345 |
| Over 8% | 434 | $138,230,000 | $318,502 |
| 4-5% | 20 | $34,830,000 | $1,741,500 |
| <2.5% | 10 | $1,880,000 | $188,000 |
| 3-4% | 5 | $1,935,000 | $387,000 |
| 2.5-3% | 2 | $1,110,000 | $555,000 |
During 2024, Hilo's most frequently originated rate bucket was 6-7%, with 1,111 originations.
Loan Sizing (Hilo, HI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 955 | $288,555,000 | $302,152 |
| $400k-600k | 582 | $280,110,000 | $481,289 |
| $600k-1000k | 412 | $311,910,000 | $757,063 |
| $100k-200k | 360 | $53,390,000 | $148,306 |
| $100,000 or less | 238 | $14,030,000 | $58,950 |
| $Over $1MM | 217 | $492,885,000 | $2,271,359 |
Hilo's loan sizing saw the bucket of loans from $200k-400k with 955 originations, totaling $288,555,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 808 | $458,570,000 | $567,537 |
| 60-80% | 777 | $525,915,000 | $676,853 |
| 40-60% | 398 | $271,390,000 | $681,884 |
| 20-40% | 337 | $92,975,000 | $275,890 |
| Under 20% | 335 | $36,955,000 | $110,313 |
| Over 100% | 48 | $28,360,000 | $590,833 |
Hilo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 808 originations, totaling $458,570,000 in origination value.