KAHULUI - WAILUKU - LAHAINA Mortgage Rates
30 Year Fixed Rate mortgages in Kahului - Wailuku - Lahaina averaged
6.19%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
5.9% and
one month ago for the week of 2022-05-26, the
average rate was 5.29%.
Kahului - Wailuku - Lahaina's average rate one year ago was 3.08%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate | 2022-06-30 | 6.19% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate Refi | 2022-06-30 | 5.91% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate | 2022-06-30 | 5.22% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate Refi | 2022-06-30 | 5.02% |
| Kahului - Wailuku - Lahaina 30 Year FHA | 2022-06-30 | 5.74% |
| Kahului - Wailuku - Lahaina 30 Year FHA Refi | 2022-06-30 | 5.25% |
| Kahului - Wailuku - Lahaina 30 Year USDA | 2022-06-30 | 5.61% |
| Kahului - Wailuku - Lahaina 30 Year USDA Refi | 2022-06-30 | 4.97% |
| Kahului - Wailuku - Lahaina 30 Year VA | 2022-06-30 | 5.23% |
| Kahului - Wailuku - Lahaina 30 Year VA Refi | 2022-06-30 | 4.97% |
KAHULUI - WAILUKU - LAHAINA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, 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.).
KAHULUI-WAILUKU-LAHAINA, HI's 131 lenders originated 7,659
loans during 2021. The total origination value was $4,208,655,000, with an average loan value of
$549,505.
The top KAHULUI - WAILUKU - LAHAINA lender as defined by loan originations is First Hawaiian Bank, with
522 loans originated. Their average total fees are
$10,512, which is $3,440
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are
North American Savings Bank, F.S.B. ($2,518), NBKC BANK ($3,235), KELLER MORTGAGE, LLC ($4,001), Stifel Bank and Trust ($4,303) and MID AMERICA MORTGAGE, INC. ($4,540).
The lowest rate KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (2.25%), HAWAIIAN FINANCIAL (2.46%), UBS Bank USA (2.52%), Bank of America (2.54%) and AMERISAVE MORTGAGE CORPORATION (2.68%).
KAHULUI-WAILUKU-LAHAINA, HI Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| First Hawaiian Bank | $265,310,000 | $372,980,000 | 40.6% | 8.9% |
| Bank of Hawaii | $222,425,000 | $372,120,000 | 67.3% | 8.8% |
| Wells Fargo Bank | $188,485,000 | $252,330,000 | 33.9% | 6.0% |
| QUICKEN LOANS, LLC | $252,005,000 | $248,880,000 | -1.2% | 5.9% |
| GUARANTEED RATE, INC. | $202,890,000 | $246,500,000 | 21.5% | 5.9% |
| LOANDEPOT.COM, LLC | $210,655,000 | $237,400,000 | 12.7% | 5.6% |
| American Savings Bank, FSB | $236,165,000 | $213,425,000 | -9.6% | 5.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $105,525,000 | $194,080,000 | 83.9% | 4.6% |
| Central Pacific Bank | $102,765,000 | $91,140,000 | -11.3% | 2.2% |
| PACIFIC HOME LOANS, INC. | $44,910,000 | $78,860,000 | 75.6% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $78,460,000 | $78,775,000 | 0.4% | 1.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $63,860,000 | $74,285,000 | 16.3% | 1.8% |
| JPMorgan Chase Bank | $73,555,000 | $71,280,000 | -3.1% | 1.7% |
| AMERISAVE MORTGAGE CORPORATION | $30,785,000 | $67,135,000 | 118.1% | 1.6% |
| Bank of America | $38,970,000 | $66,290,000 | 70.1% | 1.6% |
| MLD MORTGAGE INC. | $36,145,000 | $66,060,000 | 82.8% | 1.6% |
| HOME POINT FINANCIAL CORPORATION | $22,735,000 | $65,055,000 | 186.1% | 1.5% |
| CALIBER HOME LOANS, INC. | $74,095,000 | $63,200,000 | -14.7% | 1.5% |
| Morgan Stanley Private Bank | $24,545,000 | $62,540,000 | 154.8% | 1.5% |
| CASTLE & COOKE MORTGAGE, LLC | $75,500,000 | $57,010,000 | -24.5% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $40,800,000 | $56,610,000 | 38.8% | 1.3% |
| HAWAIIUSA FEDERAL CREDIT UNION | $19,490,000 | $54,265,000 | 178.4% | 1.3% |
| HighTechLending Inc | $36,580,000 | $51,120,000 | 39.7% | 1.2% |
| U.S. Bank | $36,980,000 | $48,175,000 | 30.3% | 1.1% |
| First Republic Bank | $19,335,000 | $39,555,000 | 104.6% | 0.9% |
| FINANCE OF AMERICA MORTGAGE LLC | $55,190,000 | $38,005,000 | -31.1% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $17,985,000 | $35,575,000 | 97.8% | 0.8% |
| HAWAII STATE FEDERAL CREDIT UNION | $34,785,000 | $33,040,000 | -5.0% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $15,875,000 | $31,875,000 | 100.8% | 0.8% |
| AXIA FINANCIAL, LLC | $5,885,000 | $29,040,000 | 393.5% | 0.7% |
| Citibank | $53,395,000 | $26,865,000 | -49.7% | 0.6% |
| UBS Bank USA | $10,320,000 | $25,970,000 | 151.6% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $45,700,000 | $24,165,000 | -47.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,300,000 | $24,130,000 | 81.4% | 0.6% |
| Flagstar Bank, FSB | $23,950,000 | $23,425,000 | -2.2% | 0.6% |
| NBKC BANK | $31,785,000 | $22,585,000 | -28.9% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,445,000 | $19,545,000 | 57.1% | 0.5% |
| MID AMERICA MORTGAGE, INC. | $28,440,000 | $19,415,000 | -31.7% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $21,290,000 | $18,555,000 | -12.8% | 0.4% |
| LAND HOME FINANCIAL SERVICES, INC. | $4,545,000 | $17,615,000 | 287.6% | 0.4% |
| RBC Bank, (Georgia) | $17,475,000 | $15,415,000 | -11.8% | 0.4% |
| City National Bank | $14,080,000 | $15,395,000 | 9.3% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $15,670,000 | $15,290,000 | -2.4% | 0.4% |
| Charles Schwab Bank, SSB | $3,490,000 | $14,765,000 | 323.1% | 0.4% |
| FUNDLOANS CAPITAL | $4,160,000 | $14,510,000 | 248.8% | 0.3% |
| Axos Bank | $14,870,000 | $13,465,000 | -9.4% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,215,000 | $12,745,000 | 76.6% | 0.3% |
| North American Savings Bank, F.S.B. | $10,610,000 | $12,645,000 | 19.2% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,295,000 | $12,235,000 | 844.8% | 0.3% |
| GUILD MORTGAGE COMPANY | $12,800,000 | $12,170,000 | -4.9% | 0.3% |
| First Foundation Bank | $1,545,000 | $11,910,000 | 670.9% | 0.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,890,000 | $11,455,000 | 66.3% | 0.3% |
| The Federal Savings Bank | $21,235,000 | $11,430,000 | -46.2% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $8,780,000 | $11,380,000 | 29.6% | 0.3% |
| PNC Bank | $3,195,000 | $10,140,000 | 217.4% | 0.2% |
| NEWREZ LLC | $10,080,000 | n/a | 0.2% | |
| STEARNS LENDING, LLC | $4,400,000 | $10,050,000 | 128.4% | 0.2% |
| CIVIC FINANCIAL SERVICES, LLC | $2,975,000 | $9,890,000 | 232.4% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,865,000 | $9,830,000 | 427.1% | 0.2% |
| KELLER MORTGAGE, LLC | $11,570,000 | $9,685,000 | -16.3% | 0.2% |
| BM Real Estate Services, Inc. | $1,190,000 | $9,410,000 | 690.8% | 0.2% |
| Mortgage Research Center, LLC | $13,345,000 | $9,320,000 | -30.2% | 0.2% |
| HAWAIIAN FINANCIAL | $9,585,000 | $9,135,000 | -4.7% | 0.2% |
| Home Mortgage Alliance Corp | $8,880,000 | n/a | 0.2% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $2,095,000 | $8,875,000 | 323.6% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $6,850,000 | $8,660,000 | 26.4% | 0.2% |
| Stifel Bank and Trust | $10,535,000 | $8,595,000 | -18.4% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $3,390,000 | $8,360,000 | 146.6% | 0.2% |
| Finance Factors, Limited | $15,705,000 | $8,165,000 | -48.0% | 0.2% |
| CIBC Bank USA | $5,520,000 | $7,705,000 | 39.6% | 0.2% |
| The Northern Trust Company | $17,255,000 | $7,505,000 | -56.5% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $16,975,000 | $7,300,000 | -57.0% | 0.2% |
| Nations Lending Corporation | $10,845,000 | $7,100,000 | -34.5% | 0.2% |
| KeyBank | $7,710,000 | $6,830,000 | -11.4% | 0.2% |
| Ameris Bank | $5,425,000 | $6,680,000 | 23.1% | 0.2% |
| Washington Trust Bank | $445,000 | $6,525,000 | 1,366.3% | 0.2% |
| HomeStreet Bank | $6,950,000 | $6,150,000 | -11.5% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $425,000 | $5,650,000 | 1,229.4% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $4,550,000 | $5,620,000 | 23.5% | 0.1% |
| JMJ FINANCIAL GROUP | $6,295,000 | $5,380,000 | -14.5% | 0.1% |
| CLEARPATH LENDING | $7,945,000 | $5,285,000 | -33.5% | 0.1% |
| Northpointe Bank | $535,000 | $5,250,000 | 881.3% | 0.1% |
| MANN FINANCIAL INC. | $4,610,000 | $5,220,000 | 13.2% | 0.1% |
| LIMA ONE CAPITAL, LLC | $5,090,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,290,000 | $5,060,000 | 17.9% | 0.1% |
| Territorial Savings Bank | $7,655,000 | $5,000,000 | -34.7% | 0.1% |
| TIAA, FSB | $850,000 | $4,885,000 | 474.7% | 0.1% |
| Veritex Community Bank | $4,730,000 | n/a | 0.1% | |
| Midwest Community Bank | $4,660,000 | $4,685,000 | 0.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,405,000 | $4,365,000 | -0.9% | 0.1% |
| BNY Mellon | $4,055,000 | n/a | 0.1% | |
| ATHAS CAPITAL GROUP, INC. | $590,000 | $3,995,000 | 577.1% | 0.1% |
| OPEN MORTGAGE, LLC | $3,495,000 | $3,855,000 | 10.3% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $6,665,000 | $3,820,000 | -42.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $505,000 | $3,615,000 | 615.8% | 0.1% |
| Commerce Home Mortgage, Inc. | $3,535,000 | n/a | 0.1% | |
| The Huntington National Bank | $1,915,000 | $3,255,000 | 70.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $3,235,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $1,110,000 | $3,140,000 | 182.9% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $3,130,000 | n/a | 0.1% | |
| Silicon Valley Bank | $2,105,000 | $3,015,000 | 43.2% | 0.1% |
| Goldman Sachs Bank USA | $1,505,000 | $3,005,000 | 99.7% | 0.1% |
| Zions Bancorporation, N.A. | $2,945,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $3,020,000 | $2,940,000 | -2.6% | 0.1% |
| Franklin Loan Corporation | $2,810,000 | n/a | 0.1% | |
| ADVANCIAL | $3,045,000 | $2,715,000 | -10.8% | 0.1% |
| Citadel Servicing Corporation | $2,700,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $700,000 | $2,445,000 | 249.3% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,405,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $1,130,000 | $2,400,000 | 112.4% | 0.1% |
| First Internet Bank of Indiana | $2,355,000 | n/a | 0.1% | |
| LENDUS, LLC | $2,110,000 | $2,300,000 | 9.0% | 0.1% |
| First Home Bank | $1,835,000 | $2,220,000 | 21.0% | 0.1% |
| Strong Home Mortgage, LLC | $2,210,000 | n/a | 0.1% | |
| American Mortgage and Insurance Inc. | $3,730,000 | $2,095,000 | -43.8% | 0.0% |
| Independent Bank | $2,035,000 | n/a | 0.0% | |
| Plains Commerce Bank | $2,000,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,980,000 | $1,895,000 | -4.3% | 0.0% |
| BMO Harris Bank | $255,000 | $1,825,000 | 615.7% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $1,745,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $1,730,000 | $1,720,000 | -0.6% | 0.0% |
| COMPASS HOME LOANS, LLC | $4,280,000 | $1,690,000 | -60.5% | 0.0% |
| PLANET HOME LENDING, LLC | $1,665,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $1,385,000 | $1,655,000 | 19.5% | 0.0% |
| AMERICAN FINANCING CORPORATION | $315,000 | $1,650,000 | 423.8% | 0.0% |
| ALOHA PACIFIC | $680,000 | $1,630,000 | 139.7% | 0.0% |
| Mortgage Bank of California | $1,600,000 | n/a | 0.0% | |
| FirstBank | $2,545,000 | $1,585,000 | -37.7% | 0.0% |
| Visio Financial Services Inc. | $1,330,000 | $1,550,000 | 16.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $4,250,000 | $1,490,000 | -64.9% | 0.0% |
| Tradition Capital Bank | $1,455,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $1,925,000 | $1,440,000 | -25.2% | 0.0% |
| OCMBC, INC. | $1,360,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $1,355,000 | n/a | 0.0% | |
| ACADEMY MORTGAGE CORPORATION | $6,385,000 | $1,335,000 | -79.1% | 0.0% |
| Arvest Bank | $810,000 | $1,295,000 | 59.9% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $715,000 | $1,225,000 | 71.3% | 0.0% |
| Cf Bank | $1,190,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $2,405,000 | $1,190,000 | -50.5% | 0.0% |
| The Central Trust Bank | $1,170,000 | n/a | 0.0% | |
| REVERSE MORTGAGE FUNDING LLC | $1,155,000 | n/a | 0.0% | |
| Mabrey Bank | $1,135,000 | n/a | 0.0% | |
| Quontic Bank | $1,115,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $6,215,000 | $1,105,000 | -82.2% | 0.0% |
| First Federal Bank | $910,000 | $1,060,000 | 16.5% | 0.0% |
| Umpqua Bank | $4,675,000 | $990,000 | -78.8% | 0.0% |
| PCMA, INC. | $975,000 | n/a | 0.0% | |
| First Western Trust Bank | $945,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $905,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $2,715,000 | $870,000 | -68.0% | 0.0% |
| First Savings Bank | $1,845,000 | $820,000 | -55.6% | 0.0% |
| The Piedmont Bank | $805,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $2,930,000 | $790,000 | -73.0% | 0.0% |
| The State Bank | $745,000 | n/a | 0.0% | |
| Fortis Private Bank | $965,000 | $735,000 | -23.8% | 0.0% |
| Pinnacle Bank | $725,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $720,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $1,270,000 | $675,000 | -46.9% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $675,000 | n/a | 0.0% | |
| Sunflower Bank | $655,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $635,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $635,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $635,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $365,000 | $605,000 | 65.8% | 0.0% |
| The First National Bank of Middle Tennessee | $585,000 | n/a | 0.0% | |
| USAA Federal Savings Bank | $6,600,000 | $585,000 | -91.1% | 0.0% |
| Manufacturers and Traders Trust Company | $545,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $525,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $3,630,000 | $520,000 | -85.7% | 0.0% |
| Farmers Bank & Trust | $515,000 | n/a | 0.0% | |
| Midland States Bank | $485,000 | $515,000 | 6.2% | 0.0% |
| NBH Bank | $515,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $505,000 | n/a | 0.0% | |
| MidFirst Bank | $840,000 | $495,000 | -41.1% | 0.0% |
| ARC HOME LLC | $595,000 | $485,000 | -18.5% | 0.0% |
| HILTON FINANCIAL CORPORATION | $450,000 | n/a | 0.0% | |
| Bank of England | $1,260,000 | $430,000 | -65.9% | 0.0% |
| BAY EQUITY LLC | $405,000 | n/a | 0.0% | |
| Magnolia Bank | $405,000 | $405,000 | 0.0% | 0.0% |
| University of Hawaii Federal Credit Union | $1,030,000 | $405,000 | -60.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,310,000 | $335,000 | -74.4% | 0.0% |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| Willamette Valley Bank | $305,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $275,000 | n/a | 0.0% | |
| Discover Bank | $170,000 | $275,000 | 61.8% | 0.0% |
| SUMMIT FUNDING, INC. | $545,000 | $275,000 | -49.5% | 0.0% |
| Colonial Savings, F.A. | $225,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $240,000 | $205,000 | -14.6% | 0.0% |
| Southwest Airlines Federal Credit Union | $205,000 | n/a | 0.0% | |
| HICKAM | $175,000 | n/a | 0.0% | |
| Columbia State Bank | $125,000 | n/a | 0.0% | |
| MATANUSKA VALLEY FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Citizens State Bank of New Castle | $95,000 | n/a | 0.0% | |
| PARSONS Federal Credit Union | $5,000 | n/a | 0.0% |
KAHULUI - WAILUKU - LAHAINA's top lender by overall market share is First Hawaiian Bank, with 8.9% market share. In second place, with 8.8%, is Bank of Hawaii, having originated $372,120,000 in loans. In third place, with 6.0%, is Wells Fargo Bank, having originated $252,330,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $248,880,000 in loans. In third place, with 5.9%, is GUARANTEED RATE, INC., having originated $246,500,000 in loans.
KAHULUI-WAILUKU-LAHAINA, HI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 2,895 | $1,378,515,000 | $476,171 |
| Home Purchase | 2,376 | $1,689,270,000 | $710,972 |
| Cash Out Refi | 1,718 | $887,580,000 | $516,636 |
| Other | 338 | $189,450,000 | $560,503 |
| Home Improvement | 332 | $63,840,000 | $192,289 |
Kahului - Wailuku - Lahaina's most frequently cited loan purpose was Refi, with 2,895 originations. The 2nd most popular reason was Home Purchase, with 2,376 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,242 | $1,780,540,000 | $549,210 |
| 3-4% | 2,305 | $1,371,565,000 | $595,039 |
| <2.5% | 1,799 | $881,675,000 | $490,092 |
| 4-5% | 198 | $97,040,000 | $490,101 |
| 5-6% | 55 | $23,725,000 | $431,364 |
| Over 8% | 21 | $18,065,000 | $860,238 |
| 7-8% | 11 | $10,115,000 | $919,545 |
| 6-7% | 7 | $8,455,000 | $1,207,857 |
During 2021, Kahului - Wailuku - Lahaina's most frequently originated rate bucket was 2.5-3%, with 3,242 originations.
Loan Sizing (KAHULUI-WAILUKU-LAHAINA, HI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,279 | $693,545,000 | $304,320 |
| $400k-600k | 2,266 | $1,118,570,000 | $493,632 |
| $600k-1000k | 1,719 | $1,250,085,000 | $727,216 |
| $100k-200k | 606 | $91,520,000 | $151,023 |
| $Over $1MM | 550 | $1,039,910,000 | $1,890,745 |
| $100,000 or less | 239 | $15,025,000 | $62,866 |
KAHULUI - WAILUKU - LAHAINA's loan sizing saw the bucket of loans from $200k-400k with 2,279 originations, totaling $693,545,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,882 | $1,883,410,000 | $653,508 |
| 40-60% | 1,918 | $1,030,110,000 | $537,075 |
| 80-100% | 1,116 | $708,760,000 | $635,090 |
| 20-40% | 1,039 | $356,185,000 | $342,815 |
| Under 20% | 517 | $75,285,000 | $145,619 |
| Over 100% | 29 | $72,135,000 | $2,487,414 |
KAHULUI - WAILUKU - LAHAINA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,882 originations, totaling $1,883,410,000 in origination value.
Market Conditions (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 | $832,000 (6.7%) | $1,600,859 (7.7%) | 3.06 | 1,273 |
| 2018-02-01 | $825,000 (5.8%) | $1,621,001 (9.9%) | 2.98 | 1,265 |
| 2018-03-01 | $799,000 (2.6%) | $1,644,841 (10.8%) | 2.76 | 1,239 |
| 2018-04-01 | $829,500 (6.5%) | $1,644,115 (9.7%) | 2.78 | 1,167 |
| 2018-05-01 | $844,000 (6.5%) | $1,664,173 (6.6%) | 2.81 | 1,089 |
| 2018-06-01 | $859,000 (10.6%) | $1,658,487 (11.8%) | 2.86 | 1,095 |
| 2018-07-01 | $875,000 (10.9%) | $1,649,599 (12.0%) | 2.92 | 1,118 |
| 2018-08-01 | $887,450 (12.1%) | $1,659,878 (7.8%) | 2.97 | 1,111 |
| 2018-09-01 | $850,000 (6.9%) | $1,574,446 (1.9%) | 2.84 | 1,069 |
| 2018-10-01 | $850,000 (8.4%) | $1,600,810 (6.4%) | 2.84 | 1,070 |
| 2018-11-01 | $878,500 (10.0%) | $1,689,703 (10.7%) | 2.95 | 1,079 |
| 2018-12-01 | $927,500 (13.1%) | $1,756,020 (11.0%) | 3.18 | 1,099 |
| 2019-01-01 | $929,500 (11.7%) | $1,772,017 (10.7%) | 3.21 | 1,125 |
| 2019-02-01 | $955,000 (15.8%) | $1,826,158 (12.7%) | 3.20 | 1,113 |
| 2019-03-01 | $962,243 (20.4%) | $1,959,381 (19.1%) | 3.14 | 1,107 |
| 2019-04-01 | $947,243 (14.2%) | $2,132,747 (29.7%) | 2.98 | 1,076 |
| 2019-05-01 | $944,500 (11.9%) | $2,142,334 (28.7%) | 2.91 | 1,043 |
| 2019-06-01 | $950,000 (10.6%) | $2,156,756 (30.0%) | 2.92 | 993 |
| 2019-07-01 | $944,450 (7.9%) | $2,235,543 (35.5%) | 2.94 | 959 |
| 2019-08-01 | $954,943 (7.6%) | $2,126,695 (28.1%) | 3.01 | 933 |
| 2019-09-01 | $972,493 (14.4%) | $1,990,040 (26.4%) | 3.09 | 907 |
| 2019-10-01 | $935,000 (10.0%) | $1,893,827 (18.3%) | 2.98 | 940 |
| 2019-11-01 | $929,000 (5.8%) | $1,855,229 (9.8%) | 3.00 | 987 |
| 2019-12-01 | $955,000 (3.0%) | $1,912,888 (8.9%) | 3.18 | 987 |
| 2020-01-01 | $987,000 (6.2%) | $1,952,177 (10.2%) | 3.29 | 971 |
| 2020-02-01 | $995,000 (4.2%) | $1,953,458 (7.0%) | 3.21 | 961 |
| 2020-03-01 | $963,500 (0.1%) | $1,893,053 (-3.4%) | 3.01 | 966 |
| 2020-04-01 | $849,450 (-10.3%) | $1,694,763 (-20.5%) | 2.65 | 1,003 |
| 2020-05-01 | $825,000 (-12.7%) | $1,627,036 (-24.1%) | 2.50 | 1,004 |
| 2020-06-01 | $810,738 (-14.7%) | $1,624,873 (-24.7%) | 2.37 | 1,041 |
| 2020-07-01 | $797,000 (-15.6%) | $1,574,318 (-29.6%) | 2.28 | 1,083 |
| 2020-08-01 | $799,000 (-16.3%) | $1,572,978 (-26.0%) | 2.28 | 1,105 |
| 2020-09-01 | $765,000 (-21.3%) | $1,558,151 (-21.7%) | 2.19 | 1,130 |
| 2020-10-01 | $795,000 (-15.0%) | $1,688,690 (-10.8%) | 2.27 | 1,099 |
| 2020-11-01 | $812,000 (-12.6%) | $1,727,926 (-6.9%) | 2.33 | 1,078 |
| 2020-12-01 | $833,500 (-12.7%) | $1,740,822 (-9.0%) | 2.44 | 1,052 |
| 2021-01-01 | $845,000 (-14.4%) | $1,789,120 (-8.4%) | 2.49 | 928 |
| 2021-02-01 | $828,500 (-16.7%) | $1,879,976 (-3.8%) | 2.38 | 801 |
| 2021-03-01 | $835,000 (-13.3%) | $2,019,541 (6.7%) | 2.34 | 666 |
| 2021-04-01 | $895,000 (5.4%) | $2,210,228 (30.4%) | 2.41 | 540 |
| 2021-05-01 | $945,000 (14.6%) | $2,364,381 (45.3%) | 2.49 | 467 |
| 2021-06-01 | $1,072,500 (32.3%) | $2,381,078 (46.5%) | 2.79 | 429 |
| 2021-07-01 | $1,149,500 (44.2%) | $2,503,123 (59.0%) | 2.99 | 393 |
| 2021-08-01 | $1,175,000 (47.1%) | $2,505,176 (59.3%) | 3.09 | 363 |
| 2021-09-01 | $1,149,000 (50.2%) | $2,343,130 (50.4%) | 3.02 | 364 |
| 2021-10-01 | $1,185,000 (49.1%) | $2,295,821 (36.0%) | 3.12 | 363 |
| 2021-11-01 | $1,265,000 (55.8%) | $2,434,024 (40.9%) | 3.33 | 318 |
| 2021-12-01 | $1,197,000 (43.6%) | $2,413,643 (38.7%) | 3.19 | 361 |
| 2022-01-01 | $1,240,000 (46.8%) | $2,669,328 (49.2%) | 3.31 | 372 |
| 2022-02-01 | $1,257,500 (51.8%) | $2,696,401 (43.4%) | 3.20 | 379 |
| 2022-03-01 | $1,197,500 (43.4%) | $2,664,632 (31.9%) | 2.96 | 377 |
| 2022-04-01 | $1,285,000 (43.6%) | $2,617,814 (18.4%) | 3.02 | 376 |
| 2022-05-01 | $1,295,000 (37.0%) | $2,310,482 (-2.3%) | 2.90 | 402 |
| 2022-06-01 | $1,350,000 (25.9%) | $2,462,991 (3.4%) | 3.00 | 458 |
KAHULUI - WAILUKU - LAHAINA's median listing price comes in at 300% of the national average.
KAHULUI - WAILUKU - LAHAINA's average listing price for 2022-06-01 was $2,462,991, a difference of $81,913 (3.4%) versus the prior year and $152,509 versus the prior month.
For the 2022-06-01 period, KAHULUI - WAILUKU - LAHAINA had 458 MLS listings, a difference of 56 listings (14%) versus the prior month and 29 listings (7%) 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 | 97 days | 1,334 sqft |
| 2018-02-01 | 99 days | 1,306 sqft |
| 2018-03-01 | 102 days | 1,298 sqft |
| 2018-04-01 | 114 days | 1,319 sqft |
| 2018-05-01 | 119 days | 1,322 sqft |
| 2018-06-01 | 123 days | 1,313 sqft |
| 2018-07-01 | 126 days | 1,391 sqft |
| 2018-08-01 | 116 days | 1,394 sqft |
| 2018-09-01 | 119 days | 1,388 sqft |
| 2018-10-01 | 116 days | 1,420 sqft |
| 2018-11-01 | 112 days | 1,430 sqft |
| 2018-12-01 | 93 days | 1,483 sqft |
| 2019-01-01 | 87 days | 1,429 sqft |
| 2019-02-01 | 88 days | 1,409 sqft |
| 2019-03-01 | 94 days | 1,416 sqft |
| 2019-04-01 | 104 days | 1,428 sqft |
| 2019-05-01 | 106 days | 1,422 sqft |
| 2019-06-01 | 111 days | 1,389 sqft |
| 2019-07-01 | 109 days | 1,400 sqft |
| 2019-08-01 | 107 days | 1,405 sqft |
| 2019-09-01 | 110 days | 1,420 sqft |
| 2019-10-01 | 102 days | 1,424 sqft |
| 2019-11-01 | 94 days | 1,395 sqft |
| 2019-12-01 | 86 days | 1,404 sqft |
| 2020-01-01 | 94 days | 1,395 sqft |
| 2020-02-01 | 93 days | 1,428 sqft |
| 2020-03-01 | 96 days | 1,404 sqft |
| 2020-04-01 | 88 days | 1,254 sqft |
| 2020-05-01 | 95 days | 1,238 sqft |
| 2020-06-01 | 98 days | 1,163 sqft |
| 2020-07-01 | 103 days | 1,105 sqft |
| 2020-08-01 | 91 days | 1,094 sqft |
| 2020-09-01 | 80 days | 1,036 sqft |
| 2020-10-01 | 91 days | 1,052 sqft |
| 2020-11-01 | 94 days | 1,087 sqft |
| 2020-12-01 | 109 days | 1,097 sqft |
| 2021-01-01 | 115 days | 1,052 sqft |
| 2021-02-01 | 108 days | 1,020 sqft |
| 2021-03-01 | 104 days | 1,024 sqft |
| 2021-04-01 | 87 days | 1,090 sqft |
| 2021-05-01 | 70 days | 1,230 sqft |
| 2021-06-01 | 64 days | 1,396 sqft |
| 2021-07-01 | 59 days | 1,466 sqft |
| 2021-08-01 | 67 days | 1,553 sqft |
| 2021-09-01 | 60 days | 1,533 sqft |
| 2021-10-01 | 58 days | 1,473 sqft |
| 2021-11-01 | 54 days | 1,405 sqft |
| 2021-12-01 | 33 days | 1,537 sqft |
| 2022-01-01 | 45 days | 1,650 sqft |
| 2022-02-01 | 57 days | 1,640 sqft |
| 2022-03-01 | 54 days | 1,663 sqft |
| 2022-04-01 | 53 days | 1,540 sqft |
| 2022-05-01 | 55 days | 1,485 sqft |
| 2022-06-01 | 51 days | 1,460 sqft |
KAHULUI - WAILUKU - LAHAINA's median square footage for active listings during the 2022-06-01 period was 1,460 sqft. One year prior, the average listing was 1,396 sqft.
