KAHULUI - WAILUKU - LAHAINA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kahului - Wailuku - Lahaina averaged 7.12% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.83% and one month ago for the week of 2025-02-27, the average rate was 6.94%.

Kahului - Wailuku - Lahaina's average rate one year ago was 7.27%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.39%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Kahului - Wailuku - Lahaina 30 Year Fixed Rate 2025-04-03 7.12%
Kahului - Wailuku - Lahaina 30 Year Fixed Rate Refi 2025-04-03 7.39%
Kahului - Wailuku - Lahaina 15 Year Fixed Rate 2025-04-03 5.72%
Kahului - Wailuku - Lahaina 15 Year Fixed Rate Refi 2025-04-03 6.42%
Kahului - Wailuku - Lahaina 30 Year FHA 2025-04-03 6.16%
Kahului - Wailuku - Lahaina 30 Year FHA Refi 2025-04-03 6.36%
Kahului - Wailuku - Lahaina 30 Year USDA 2025-04-03 6.52%
Kahului - Wailuku - Lahaina 30 Year USDA Refi 2025-04-03 6.12%
Kahului - Wailuku - Lahaina 30 Year VA 2025-04-03 6.06%
Kahului - Wailuku - Lahaina 30 Year VA Refi 2025-04-03 6.06%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KAHULUI-WAILUKU-LAHAINA, HI.

KAHULUI - WAILUKU - LAHAINA 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 KAHULUI-WAILUKU-LAHAINA, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GUARANTEED RATE, INC. 61 6.69% $8,400
American Savings Bank, FSB 58 6.64% $9,935
UNITED WHOLESALE MORTGAGE, LLC 55 6.62% $15,944
Northpointe Bank 54 7.05% $15,146
First Hawaiian Bank 45 6.98% $16,634
QUICKEN LOANS, LLC 40 6.64% $12,021
Bank of Hawaii 34 6.65% $10,907
LOANDEPOT.COM, LLC 33 6.41% $13,156
PACIFIC HOME LOANS, INC. 32 6.90% $10,337
Morgan Stanley Private Bank 24 6.06% $5,853
NEXERA HOLDING LLC 20 7.61% $18,263
GUILD MORTGAGE COMPANY 19 7.00% $16,377
ALAMEDA MORTGAGE CORPORATION 18 6.73% $16,882
NEWREZ LLC 14 6.69% $9,932
AMERICAN PACIFIC MORTGAGE CORPORATION 14 7.28% $9,464
Central Pacific Bank 12 6.61% $16,771
PENNYMAC LOAN SERVICES, LLC 11 6.74% $6,565
CMG MORTGAGE, INC. 11 7.09% $11,791
Citibank 11 5.97% $12,359
Century Mortgage Company DBA Century Lending Company 10 6.87% $13,304
Citadel Servicing Corporation 10 8.35% $33,885
SECURITYNATIONAL MORTGAGE COMPANY 8 7.12% $20,643
U.S. Bank 8 6.05% $6,825
The Loan Store, Inc. 8 6.72% $13,627
MLD MORTGAGE INC. 7 6.50% $15,898
HOMEXPRESS MORTGAGE CORP. 6 7.92% $37,311
Bank of America 6 5.92% $6,802
Wells Fargo Bank 6 6.23% $9,140
FREEDOM MORTGAGE CORPORATION 6 6.73% $15,990
CROSSCOUNTRY MORTGAGE, LLC 5 7.30% $15,764
Paramount Residential Mortgage Group, Inc. 5 6.95% $8,317
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.88% $13,471
SUN WEST MORTGAGE COMPANY, INC. 4 6.59% $19,871
BMO Harris Bank 4 6.31% $15,089
Charles Schwab Bank, SSB 4 6.04% $8,183
HAWAIIUSA FEDERAL CREDIT UNION 4 6.59% $14,212
HighTechLending Inc 4 7.41% $15,350
JPMorgan Chase Bank 4 6.69% $4,614
NAVY FEDERAL CREDIT UNION 4 6.41% $8,662
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 7.63% $9,649
Stifel Bank and Trust 4 6.19% $7,035
Territorial Savings Bank 4 6.19% $13,490
UBS Bank USA 4 6.00% $7,397
HAWAII STATE FEDERAL CREDIT UNION 3 7.08% $14,567
AMERICAN FINANCIAL NETWORK, INC. 3 7.04% $19,788
LENDSURE MORTGAGE CORP. 3 8.13% $29,108
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.66% $2,977
OCMBC, INC. 3 7.12% $22,283
HAWAIIAN FINANCIAL 2 5.88% $16,956
V.I.P. MORTGAGE, INC. 2 6.56% $19,630
ZILLOW HOME LOANS, LLC 2 6.88% $8,991
ML Mortgage Corp. 2 7.13% $14,156
Commerce Home Mortgage, Inc. 2 7.31% $25,262
Raymond James Bank 2 5.50% $8,403
DEEPHAVEN MORTGAGE LLC 2 8.00% $15,881
Logan Finance Corporation 2 6.44% $35,134
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.88% $6,547
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.13% $24,103
BAY-VALLEY MORTGAGE GROUP 1 7.13% $29,989
RBC Bank, (Georgia) 1 5.38% $3,308
S1L, Inc. 1 6.38% $13,489
Bank of Colorado 1 7.00% $11,738
Watermark Capital, Inc. 1 7.25% $4,959
Arvest Bank 1 7.63% $6,879
ALLIANT CREDIT UNION 1 6.13% $7,138
The Huntington National Bank 1 6.75% $11,635
Greenbox Loans, Inc. 1 7.63% $22,883
Great Southern Bank 1 7.00% $5,215
ARC HOME LLC 1 7.00% $13,504
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $10,841
Flagstar Bank, FSB 1 6.00% $11,831
HomeStreet Bank 1 7.13% $7,810
LAND HOME FINANCIAL SERVICES, INC. 1 6.13% $18,143
Farmers Bank & Trust 1 6.50% $5,924
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.38% $40,194
Elements Financial Federal Credit Union 1 6.13% $3,421
MOVEMENT MORTGAGE, LLC 1 6.25% $6,766
Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $23,653
NBKC BANK 1 7.50% $8,080
Cornerstone First Mortgage, Inc 1 8.25% $16,988
NMSI, INC. 1 6.63% $7,621
City National Bank 1 6.30% $15,112
CASTLE & COOKE MORTGAGE, LLC 1 7.13% $17,824
Carrington Mortgage Services, LLC 1 8.13% $20,499
BNY Mellon 1 6.25% $7,106
PNC Bank 1 6.63% $7,480

KAHULUI - WAILUKU - LAHAINA Average Closing Costs & Other Stats

KAHULUI-WAILUKU-LAHAINA, HI's 86 lenders originated 1,771 loans during 2024. The total origination value was $1,240,855,000, with an average loan value of $700,652.

KAHULUI - WAILUKU - LAHAINA's average closing costs are $9,186.

The top KAHULUI - WAILUKU - LAHAINA lender as defined by loan originations is GUARANTEED RATE, INC., with 61 loans originated. Their average total fees are $8,400, which is $1,535 lower than the next largest lender, American Savings Bank, FSB.

The lowest fee KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are Morgan Stanley Private Bank ($5,853), PENNYMAC LOAN SERVICES, LLC ($6,565), GUARANTEED RATE, INC. ($8,400), AMERICAN PACIFIC MORTGAGE CORPORATION ($9,464) and NEWREZ LLC ($9,932).

The lowest rate KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are Citibank (5.97%), Morgan Stanley Private Bank (6.06%), LOANDEPOT.COM, LLC (6.41%), Central Pacific Bank (6.61%) and UNITED WHOLESALE MORTGAGE, LLC (6.62%).

KAHULUI-WAILUKU-LAHAINA, 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
Bank of Hawaii $80,785,000 $97,160,000 20.3% 7.8%
GUARANTEED RATE, INC. $50,430,000 $78,895,000 56.4% 6.4%
UNITED WHOLESALE MORTGAGE, LLC $76,415,000 $74,135,000 -3.0% 6.0%
Northpointe Bank $29,945,000 $68,985,000 130.4% 5.6%
American Savings Bank, FSB $73,240,000 $66,510,000 -9.2% 5.4%
First Hawaiian Bank $143,725,000 $59,145,000 -58.8% 4.8%
Citibank $6,850,000 $38,580,000 463.2% 3.1%
Citadel Servicing Corporation $26,665,000 $35,075,000 31.5% 2.8%
QUICKEN LOANS, LLC $34,450,000 $33,850,000 -1.7% 2.7%
LOANDEPOT.COM, LLC $23,755,000 $32,385,000 36.3% 2.6%
Morgan Stanley Private Bank $36,230,000 $32,145,000 -11.3% 2.6%
NEXERA HOLDING LLC $6,315,000 $29,605,000 368.8% 2.4%
PACIFIC HOME LOANS, INC. $24,570,000 n/a 2.0%
Central Pacific Bank $27,075,000 $22,230,000 -17.9% 1.8%
Bank of America $5,435,000 $21,145,000 289.1% 1.7%
NEWREZ LLC $12,765,000 $20,135,000 57.7% 1.6%
GUILD MORTGAGE COMPANY $12,180,000 $20,055,000 64.7% 1.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $13,990,000 $19,210,000 37.3% 1.5%
HOMEXPRESS MORTGAGE CORP. $11,030,000 $18,290,000 65.8% 1.5%
CMG MORTGAGE, INC. $14,370,000 $17,435,000 21.3% 1.4%
HAWAII STATE FEDERAL CREDIT UNION $23,700,000 $16,830,000 -29.0% 1.4%
Century Mortgage Company DBA Century Lending Company $16,245,000 $16,790,000 3.4% 1.4%
FREEDOM MORTGAGE CORPORATION $12,625,000 $16,780,000 32.9% 1.4%
ALAMEDA MORTGAGE CORPORATION $1,140,000 $15,615,000 1,269.7% 1.3%
U.S. Bank $10,980,000 $15,060,000 37.2% 1.2%
PENNYMAC LOAN SERVICES, LLC $5,030,000 $12,680,000 152.1% 1.0%
HAWAIIUSA FEDERAL CREDIT UNION $25,250,000 $12,205,000 -51.7% 1.0%
JPMorgan Chase Bank $23,375,000 $11,060,000 -52.7% 0.9%
Wells Fargo Bank $8,715,000 $10,845,000 24.4% 0.9%
Logan Finance Corporation $10,020,000 n/a 0.8%
SECURITYNATIONAL MORTGAGE COMPANY $13,740,000 $9,845,000 -28.3% 0.8%
Finance Factors, Limited $5,460,000 $9,535,000 74.6% 0.8%
MLD MORTGAGE INC. $8,880,000 $9,355,000 5.3% 0.8%
HAWAIIAN FINANCIAL $11,305,000 $9,215,000 -18.5% 0.7%
The Loan Store, Inc. $9,000,000 n/a 0.7%
UBS Bank USA $6,165,000 $8,200,000 33.0% 0.7%
Stifel Bank and Trust $1,250,000 $7,820,000 525.6% 0.6%
BMO Harris Bank $11,260,000 $7,440,000 -33.9% 0.6%
FINANCE OF AMERICA REVERSE LLC $7,910,000 $7,145,000 -9.7% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $6,850,000 n/a 0.6%
Comerica Bank $6,825,000 n/a 0.6%
CROSSCOUNTRY MORTGAGE, LLC $2,270,000 $6,285,000 176.9% 0.5%
SUN WEST MORTGAGE COMPANY, INC. $2,525,000 $5,995,000 137.4% 0.5%
NAVY FEDERAL CREDIT UNION $4,000,000 $5,885,000 47.1% 0.5%
Mortgage Research Center, LLC $7,485,000 $5,840,000 -22.0% 0.5%
Flagstar Bank, FSB $3,905,000 $5,280,000 35.2% 0.4%
LENDSURE MORTGAGE CORP. $840,000 $5,180,000 516.7% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $2,570,000 $5,140,000 100.0% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,175,000 $5,070,000 133.1% 0.4%
OCMBC, INC. $2,660,000 $4,775,000 79.5% 0.4%
Raymond James Bank $4,460,000 n/a 0.4%
TEMPLE VIEW CAPITAL FUNDING, LP $10,020,000 $4,130,000 -58.8% 0.3%
American Airlines Federal Credit Union $4,105,000 n/a 0.3%
Paramount Residential Mortgage Group, Inc. $1,080,000 $3,975,000 268.1% 0.3%
City National Bank $9,370,000 $3,825,000 -59.2% 0.3%
Charles Schwab Bank, SSB $23,135,000 $3,820,000 -83.5% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $2,470,000 $3,795,000 53.6% 0.3%
V.I.P. MORTGAGE, INC. $3,580,000 $3,595,000 0.4% 0.3%
LONGBRIDGE FINANCIAL, LLC $1,455,000 $3,455,000 137.5% 0.3%
FUNDLOANS CAPITAL $7,575,000 $3,360,000 -55.6% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,980,000 $3,255,000 -18.2% 0.3%
HighTechLending Inc $4,480,000 $3,170,000 -29.2% 0.3%
LAND HOME FINANCIAL SERVICES, INC. $445,000 $3,165,000 611.2% 0.3%
Bank of Colorado $3,305,000 $3,080,000 -6.8% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $685,000 $2,975,000 334.3% 0.2%
DOMINION FINANCIAL SERVICES, LLC $2,720,000 n/a 0.2%
AMERICAN HERITAGE LENDING, INC. $2,415,000 n/a 0.2%
Hometown Equity Mortgage, LLC $2,340,000 $2,395,000 2.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,375,000 n/a 0.2%
Commerce Home Mortgage, Inc. $14,265,000 $2,310,000 -83.8% 0.2%
DEEPHAVEN MORTGAGE LLC $625,000 $2,280,000 264.8% 0.2%
Territorial Savings Bank $1,040,000 $2,090,000 101.0% 0.2%
ARC HOME LLC $2,075,000 n/a 0.2%
FOUNDATION MORTGAGE CORPORATION $1,985,000 n/a 0.2%
Axos Bank $12,260,000 $1,910,000 -84.4% 0.2%
SUMMIT FUNDING, INC. $1,875,000 n/a 0.2%
RBC Bank, (Georgia) $9,740,000 $1,825,000 -81.3% 0.1%
Carrington Mortgage Services, LLC $430,000 $1,775,000 312.8% 0.1%
S1L, Inc. $3,075,000 $1,690,000 -45.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $8,060,000 $1,595,000 -80.2% 0.1%
Toyota Financial Savings Bank $1,505,000 n/a 0.1%
United Nations Federal Credit Union $1,505,000 n/a 0.1%
USAA Federal Savings Bank $615,000 $1,475,000 139.8% 0.1%
Goldman Sachs Bank USA $1,415,000 n/a 0.1%
Cornerstone First Mortgage, Inc $1,365,000 n/a 0.1%
Discover Bank $540,000 $1,335,000 147.2% 0.1%
PNC Bank $3,875,000 $1,325,000 -65.8% 0.1%
KeyBank $1,740,000 $1,305,000 -25.0% 0.1%
Southside Bank $1,255,000 n/a 0.1%
NBKC BANK $695,000 $1,220,000 75.5% 0.1%
MOVEMENT MORTGAGE, LLC $2,055,000 $1,205,000 -41.4% 0.1%
ML Mortgage Corp. $1,190,000 n/a 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $2,215,000 $1,145,000 -48.3% 0.1%
BNY Mellon $1,510,000 $1,105,000 -26.8% 0.1%
HomeStreet Bank $820,000 $1,105,000 34.8% 0.1%
INB $1,045,000 n/a 0.1%
AMERISAVE MORTGAGE CORPORATION $2,815,000 $930,000 -67.0% 0.1%
NuVision Federal Credit Union $915,000 n/a 0.1%
Arvest Bank $905,000 n/a 0.1%
ALLIANT CREDIT UNION $270,000 $895,000 231.5% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $895,000 n/a 0.1%
Greenbox Loans, Inc. $885,000 n/a 0.1%
BAY-VALLEY MORTGAGE GROUP $1,175,000 $725,000 -38.3% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $675,000 $715,000 5.9% 0.1%
AHL FUNDING $705,000 n/a 0.1%
Central Bank Illinois $685,000 n/a 0.1%
NMSI, INC. $675,000 n/a 0.1%
LAFAYETTE FEDERAL CREDIT UNION $55,000 $665,000 1,109.1% 0.1%
NFM, INC. $665,000 n/a 0.1%
Elements Financial Federal Credit Union $635,000 n/a 0.1%
VAL-CHRIS INVESTMENTS, INC. $305,000 $635,000 108.2% 0.1%
Great Southern Bank $625,000 n/a 0.1%
Plains Commerce Bank $1,065,000 $615,000 -42.3% 0.0%
The Central Trust Bank $535,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,265,000 $525,000 -58.5% 0.0%
Farmers Bank & Trust $525,000 n/a 0.0%
The Huntington National Bank $445,000 n/a 0.0%
FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers $435,000 n/a 0.0%
CITIZENS EQUITY FIRST $405,000 n/a 0.0%
GEORGIA'S OWN $405,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $400,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $375,000 $375,000 0.0% 0.0%
LOANPAL, LLC $355,000 n/a 0.0%
The Federal Savings Bank $1,580,000 $345,000 -78.2% 0.0%
NORTHROP GRUMMAN Federal Credit Union $305,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $295,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $155,000 $285,000 83.9% 0.0%
PENTAGON FEDERAL CREDIT UNION $865,000 $280,000 -67.6% 0.0%
Community First National Bank $500,000 $255,000 -49.0% 0.0%
KS StateBank $255,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $475,000 $255,000 -46.3% 0.0%
STANFORD Federal Credit Union $255,000 n/a 0.0%
Merchants Mortgage & Trust Corporation $205,000 n/a 0.0%
Watermark Capital, Inc. $165,000 n/a 0.0%
ALOHA PACIFIC $1,290,000 $105,000 -91.9% 0.0%
BETTER MORTGAGE CORPORATION $105,000 n/a 0.0%
Bethpage Federal Credit Union $755,000 $55,000 -92.7% 0.0%

KAHULUI - WAILUKU - LAHAINA's top lender by overall market share is Bank of Hawaii, with 7.8% market share. In second place, with 6.4%, is GUARANTEED RATE, INC., having originated $78,895,000 in loans. In third place, with 6.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $74,135,000 in loans. In fourth place, with 5.6%, is Northpointe Bank, having originated $68,985,000 in loans. In fifth place, with 5.4%, is American Savings Bank, FSB, having originated $66,510,000 in loans.


KAHULUI - WAILUKU - LAHAINA Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - KAHULUI - WAILUKU - LAHAINA (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 $838,225 (5.9%) $1,589,889 (6.4%) 3.11 1,251
2018-02-01 $830,750 (6.5%) $1,614,233 (9.1%) 3.02 1,242
2018-03-01 $820,000 (4.5%) $1,633,754 (9.8%) 2.88 1,215
2018-04-01 $849,125 (9.0%) $1,646,534 (9.8%) 2.88 1,144
2018-05-01 $849,450 (6.9%) $1,661,746 (6.5%) 2.84 1,068
2018-06-01 $866,000 (10.2%) $1,635,309 (10.4%) 2.89 1,074
2018-07-01 $890,250 (12.7%) $1,634,344 (11.3%) 2.97 1,093
2018-08-01 $895,000 (12.9%) $1,652,596 (8.9%) 3.00 1,087
2018-09-01 $875,000 (10.1%) $1,588,293 (4.3%) 2.94 1,045
2018-10-01 $864,500 (10.1%) $1,610,124 (9.2%) 2.93 1,044
2018-11-01 $887,000 (11.0%) $1,711,463 (14.2%) 3.01 1,047
2018-12-01 $930,000 (14.1%) $1,763,904 (13.8%) 3.21 1,065
2019-01-01 $934,950 (11.5%) $1,777,342 (11.8%) 3.23 1,098
2019-02-01 $957,500 (15.3%) $1,830,675 (13.4%) 3.24 1,091
2019-03-01 $953,643 (16.3%) $1,943,498 (19.0%) 3.12 1,085
2019-04-01 $937,118 (10.4%) $2,110,720 (28.2%) 2.98 1,055
2019-05-01 $939,225 (10.6%) $2,136,396 (28.6%) 2.94 1,018
2019-06-01 $947,500 (9.4%) $2,160,858 (32.1%) 2.96 968
2019-07-01 $944,500 (6.1%) $2,233,206 (36.6%) 2.96 947
2019-08-01 $938,591 (4.9%) $2,148,757 (30.0%) 2.97 918
2019-09-01 $928,977 (6.2%) $2,034,619 (28.1%) 2.97 880
2019-10-01 $922,568 (6.7%) $1,914,929 (18.9%) 2.98 892
2019-11-01 $925,000 (4.3%) $1,835,773 (7.3%) 3.03 976
2019-12-01 $950,000 (2.2%) $1,897,897 (7.6%) 3.17 975
2020-01-01 $980,000 (4.8%) $1,935,259 (8.9%) 3.27 959
2020-02-01 $988,000 (3.2%) $1,935,799 (5.7%) 3.24 946
2020-03-01 $949,750 (-0.4%) $1,888,181 (-2.9%) 2.98 950
2020-04-01 $844,000 (-9.9%) $1,687,368 (-20.1%) 2.64 978
2020-05-01 $825,000 (-12.2%) $1,619,013 (-24.2%) 2.51 981
2020-06-01 $804,998 (-15.0%) $1,611,101 (-25.4%) 2.37 1,012
2020-07-01 $797,000 (-15.6%) $1,555,080 (-30.4%) 2.31 1,061
2020-08-01 $795,000 (-15.3%) $1,544,645 (-28.1%) 2.28 1,076
2020-09-01 $764,500 (-17.7%) $1,526,339 (-25.0%) 2.19 1,105
2020-10-01 $788,500 (-14.5%) $1,660,273 (-13.3%) 2.26 1,078
2020-11-01 $812,000 (-12.2%) $1,714,994 (-6.6%) 2.37 1,064
2020-12-01 $826,000 (-13.1%) $1,743,554 (-8.1%) 2.46 1,035
2021-01-01 $838,000 (-14.5%) $1,787,354 (-7.6%) 2.50 922
2021-02-01 $825,000 (-16.5%) $1,886,639 (-2.5%) 2.40 790
2021-03-01 $835,000 (-12.1%) $2,045,412 (8.3%) 2.37 658
2021-04-01 $895,000 (6.0%) $2,241,336 (32.8%) 2.42 530
2021-05-01 $945,000 (14.6%) $2,384,389 (47.3%) 2.51 463
2021-06-01 $1,079,750 (34.1%) $2,392,234 (48.5%) 2.80 427
2021-07-01 $1,150,000 (44.3%) $2,542,773 (63.5%) 3.03 375
2021-08-01 $1,212,500 (52.5%) $2,685,286 (73.8%) 3.23 336
2021-09-01 $1,195,000 (56.3%) $2,483,186 (62.7%) 3.19 341
2021-10-01 $1,195,000 (51.6%) $2,432,895 (46.5%) 3.19 345
2021-11-01 $1,262,500 (55.5%) $2,431,088 (41.8%) 3.38 316
2021-12-01 $1,237,250 (49.8%) $2,563,000 (47.0%) 3.35 340
2022-01-01 $1,276,500 (52.3%) $2,836,188 (58.7%) 3.45 347
2022-02-01 $1,295,000 (57.0%) $2,835,087 (50.3%) 3.37 360
2022-03-01 $1,272,500 (52.4%) $2,852,691 (39.5%) 3.19 350
2022-04-01 $1,299,000 (45.1%) $2,776,294 (23.9%) 3.10 345
2022-05-01 $1,312,500 (38.9%) $2,464,038 (3.3%) 3.00 376
2022-06-01 $1,397,000 (29.4%) $2,584,764 (8.1%) 3.11 431
2022-07-01 $1,375,000 (19.6%) $2,522,679 (-0.8%) 3.10 488
2022-08-01 $1,324,500 (9.2%) $2,541,472 (-5.4%) 3.06 504
2022-09-01 $1,424,875 (19.2%) $2,597,748 (4.6%) 3.33 449
2022-10-01 $1,395,000 (16.7%) $2,505,145 (3.0%) 3.28 426
2022-11-01 $1,330,000 (5.4%) $2,513,973 (3.4%) 3.20 461
2022-12-01 $1,315,000 (6.3%) $2,588,488 (1.0%) 3.25 496
2023-01-01 $1,395,000 (9.3%) $2,724,782 (-3.9%) 3.46 515
2023-02-01 $1,395,000 (7.7%) $2,725,509 (-3.9%) 3.37 524
2023-03-01 $1,407,000 (10.6%) $2,837,390 (-0.5%) 3.32 504
2023-04-01 $1,398,500 (7.7%) $2,830,669 (2.0%) 3.25 495
2023-05-01 $1,395,000 (6.3%) $2,811,173 (14.1%) 3.16 477
2023-06-01 $1,395,000 (-0.1%) $2,799,353 (8.3%) 3.13 471
2023-07-01 $1,395,000 (1.5%) $2,870,005 (13.8%) 3.17 490
2023-08-01 $1,422,000 (7.4%) $2,890,842 (13.8%) 3.27 445
2023-09-01 $1,350,000 (-5.3%) $2,647,826 (1.9%) 3.14 436
2023-10-01 $1,324,500 (-5.1%) $2,467,771 (-1.5%) 3.12 478
2023-11-01 $1,372,500 (3.2%) $2,521,360 (0.3%) 3.27 519
2023-12-01 $1,375,000 (4.6%) $2,539,970 (-1.9%) 0.00 616
2024-01-01 $1,435,000 (2.9%) $2,648,147 (-2.8%) 0.00 635
2024-02-01 $1,412,500 (1.3%) $2,603,412 (-4.5%) 0.00 678
2024-03-01 $1,425,000 (1.3%) $2,543,851 (-10.4%) 0.00 749
2024-04-01 $1,399,500 (0.1%) $2,473,169 (-12.6%) 0.00 797
2024-05-01 $1,359,660 (-2.5%) $2,369,648 (-15.7%) 0.00 885
2024-06-01 $1,280,000 (-8.2%) $2,293,352 (-18.1%) 0.00 1,013
2024-07-01 $1,263,500 (-9.4%) $2,311,499 (-19.5%) 0.00 1,056
2024-08-01 $1,247,000 (-12.3%) $2,269,075 (-21.5%) 0.00 1,087
2024-09-01 $1,195,000 (-11.5%) $2,164,249 (-18.3%) 0.00 1,063
2024-10-01 $1,171,166 (-11.6%) $2,172,519 (-12.0%) 0.00 1,034
2024-11-01 $1,150,000 (-16.2%) $2,175,517 (-13.7%) 0.00 1,067
2024-12-01 $1,195,000 (-13.1%) $2,233,158 (-12.1%) 0.00 1,125
2025-01-01 $1,199,000 (-16.5%) $2,239,391 (-15.4%) 0.00 1,170
2025-02-01 $1,199,000 (-15.1%) $2,211,234 (-15.1%) 0.00 1,219
2025-03-01 $1,195,888 (-16.1%) $2,224,387 (-12.6%) 0.00 1,261
KAHULUI - WAILUKU - LAHAINA's median listing price for 2025-03-01 was $1,195,888, a difference of $-229,112 (-16.1%) versus the prior year and $-3,112 versus the prior month.

KAHULUI - WAILUKU - LAHAINA's median listing price comes in at 0% of the national average.

KAHULUI - WAILUKU - LAHAINA's average listing price for 2025-03-01 was $2,224,387, a difference of $-319,464 (-12.6%) versus the prior year and $13,153 versus the prior month.

For the 2025-03-01 period, KAHULUI - WAILUKU - LAHAINA had 1,261 MLS listings, a difference of 42 listings (3%) versus the prior month and 512 listings (68%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - KAHULUI - WAILUKU - LAHAINA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 82 days 1,334 sqft
2018-02-01 87 days 1,308 sqft
2018-03-01 88 days 1,313 sqft
2018-04-01 96 days 1,324 sqft
2018-05-01 102 days 1,319 sqft
2018-06-01 107 days 1,313 sqft
2018-07-01 98 days 1,396 sqft
2018-08-01 95 days 1,394 sqft
2018-09-01 103 days 1,389 sqft
2018-10-01 99 days 1,416 sqft
2018-11-01 97 days 1,422 sqft
2018-12-01 80 days 1,467 sqft
2019-01-01 74 days 1,409 sqft
2019-02-01 79 days 1,402 sqft
2019-03-01 84 days 1,394 sqft
2019-04-01 90 days 1,401 sqft
2019-05-01 96 days 1,406 sqft
2019-06-01 100 days 1,369 sqft
2019-07-01 93 days 1,392 sqft
2019-08-01 89 days 1,421 sqft
2019-09-01 88 days 1,463 sqft
2019-10-01 87 days 1,447 sqft
2019-11-01 75 days 1,391 sqft
2019-12-01 79 days 1,387 sqft
2020-01-01 83 days 1,389 sqft
2020-02-01 83 days 1,422 sqft
2020-03-01 86 days 1,385 sqft
2020-04-01 80 days 1,240 sqft
2020-05-01 87 days 1,197 sqft
2020-06-01 92 days 1,144 sqft
2020-07-01 88 days 1,103 sqft
2020-08-01 82 days 1,080 sqft
2020-09-01 75 days 1,036 sqft
2020-10-01 82 days 1,052 sqft
2020-11-01 88 days 1,083 sqft
2020-12-01 102 days 1,092 sqft
2021-01-01 102 days 1,051 sqft
2021-02-01 93 days 1,014 sqft
2021-03-01 85 days 1,023 sqft
2021-04-01 66 days 1,071 sqft
2021-05-01 60 days 1,206 sqft
2021-06-01 53 days 1,373 sqft
2021-07-01 52 days 1,495 sqft
2021-08-01 61 days 1,581 sqft
2021-09-01 47 days 1,562 sqft
2021-10-01 50 days 1,440 sqft
2021-11-01 46 days 1,332 sqft
2021-12-01 41 days 1,515 sqft
2022-01-01 50 days 1,578 sqft
2022-02-01 46 days 1,555 sqft
2022-03-01 46 days 1,580 sqft
2022-04-01 48 days 1,488 sqft
2022-05-01 48 days 1,459 sqft
2022-06-01 47 days 1,457 sqft
2022-07-01 50 days 1,445 sqft
2022-08-01 66 days 1,457 sqft
2022-09-01 77 days 1,518 sqft
2022-10-01 78 days 1,532 sqft
2022-11-01 68 days 1,494 sqft
2022-12-01 64 days 1,465 sqft
2023-01-01 66 days 1,540 sqft
2023-02-01 74 days 1,500 sqft
2023-03-01 79 days 1,470 sqft
2023-04-01 75 days 1,454 sqft
2023-05-01 73 days 1,437 sqft
2023-06-01 72 days 1,442 sqft
2023-07-01 73 days 1,464 sqft
2023-08-01 81 days 1,394 sqft
2023-09-01 74 days 1,347 sqft
2023-10-01 63 days 1,292 sqft
2023-11-01 64 days 1,295 sqft
2023-12-01 0 days 1,188 sqft
2024-01-01 0 days 1,165 sqft
2024-02-01 0 days 1,188 sqft
2024-03-01 0 days 1,178 sqft
2024-04-01 0 days 1,133 sqft
2024-05-01 0 days 1,071 sqft
2024-06-01 0 days 1,056 sqft
2024-07-01 0 days 1,060 sqft
2024-08-01 0 days 1,036 sqft
2024-09-01 0 days 1,025 sqft
2024-10-01 0 days 1,028 sqft
2024-11-01 0 days 1,035 sqft
2024-12-01 0 days 1,040 sqft
2025-01-01 0 days 1,050 sqft
2025-02-01 0 days 1,048 sqft
2025-03-01 0 days 1,048 sqft
KAHULUI - WAILUKU - LAHAINA's median listing age (time on market) for 2025-03-01 was 0 days.

KAHULUI - WAILUKU - LAHAINA's median square footage for active listings during the 2025-03-01 period was 1,048 sqft. One year prior, the average listing was 1,178 sqft.

KAHULUI-WAILUKU-LAHAINA, HI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 946 $826,230,000 $873,393
Cash Out Refi 235 $130,975,000 $557,340
Refi 217 $145,675,000 $671,313
Other 190 $95,650,000 $503,421
Home Improvement 183 $42,325,000 $231,284

Kahului - Wailuku - Lahaina's most frequently cited loan purpose was Home Purchase, with 946 originations. The 2nd most popular reason was Cash Out Refi, with 235 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 697 $548,215,000 $786,535
7-8% 568 $347,950,000 $612,588
Over 8% 256 $130,200,000 $508,594
5-6% 223 $184,105,000 $825,583
4-5% 8 $18,260,000 $2,282,500
<2.5% 3 $55,000 $18,333
2.5-3% 3 $985,000 $328,333
3-4% 2 $610,000 $305,000

During 2024, Kahului - Wailuku - Lahaina's most frequently originated rate bucket was 6-7%, with 697 originations.

Loan Sizing (KAHULUI-WAILUKU-LAHAINA, HI MSA)

Loan Size Originations Total Value Average Loan
$600k-1000k 462 $363,260,000 $786,277
$Over $1MM 353 $592,795,000 $1,679,306
$200k-400k 327 $95,605,000 $292,370
$400k-600k 316 $153,610,000 $486,108
$100k-200k 201 $28,635,000 $142,463
$100,000 or less 112 $6,950,000 $62,054

KAHULUI - WAILUKU - LAHAINA's loan sizing saw the bucket of loans from $600k-1000k with 462 originations, totaling $363,260,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 483 $458,315,000 $948,892
80-100% 343 $315,895,000 $920,977
Under 20% 327 $60,825,000 $186,009
20-40% 286 $123,470,000 $431,713
40-60% 286 $208,670,000 $729,615
Over 100% 18 $50,400,000 $2,800,000

KAHULUI - WAILUKU - LAHAINA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 483 originations, totaling $458,315,000 in origination value.