KAHULUI - WAILUKU - LAHAINA Mortgage Rates

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

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%
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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First Hawaiian Bank 522 3.56% $10,512
QUICKEN LOANS, LLC 412 2.97% $7,072
LOANDEPOT.COM, LLC 355 2.86% $6,532
GUARANTEED RATE, INC. 318 2.97% $7,211
American Savings Bank, FSB 299 3.07% $7,861
UNITED WHOLESALE MORTGAGE, LLC 258 2.95% $7,578
Wells Fargo Bank 252 2.93% $5,789
Bank of Hawaii 238 3.04% $10,220
PACIFIC HOME LOANS, INC. 125 2.96% $6,102
AMERISAVE MORTGAGE CORPORATION 115 2.68% $7,929
Central Pacific Bank 93 3.09% $10,362
CALIBER HOME LOANS, INC. 93 2.99% $5,639
HOME POINT FINANCIAL CORPORATION 91 2.89% $7,150
HOMEBRIDGE FINANCIAL SERVICES, INC. 89 3.12% $11,777
MOVEMENT MORTGAGE, LLC 86 3.15% $5,569
HighTechLending Inc 85 3.13% $7,023
MLD MORTGAGE INC. 83 3.05% $7,742
FINANCE OF AMERICA MORTGAGE LLC 56 3.21% $6,178
JPMorgan Chase Bank 48 2.88% $6,175
PRIMELENDING, A PLAINSCAPITAL COMPANY 46 3.04% $8,038
AXIA FINANCIAL, LLC 46 3.20% $7,853
PLAZA HOME MORTGAGE, INC. 44 2.89% $14,990
HAWAIIUSA FEDERAL CREDIT UNION 43 3.36% $5,953
Flagstar Bank, FSB 40 3.05% $5,993
HAWAII STATE FEDERAL CREDIT UNION 39 2.96% $10,652
Morgan Stanley Private Bank 37 2.69% $6,064
NBKC BANK 37 2.81% $3,235
Mr. Cooper ( Nationstar Mortgage ) 34 3.09% $7,151
PENNYMAC LOAN SERVICES, LLC 30 2.88% $6,494
CROSSCOUNTRY MORTGAGE, LLC 30 3.02% $7,124
LAND HOME FINANCIAL SERVICES, INC. 27 3.14% $10,808
U.S. Bank 25 2.81% $8,238
Bank of America 22 2.54% $6,282
AMERICAN FINANCIAL NETWORK, INC. 21 3.08% $14,338
RBC Bank, (Georgia) 19 3.14% $4,900
MASON MCDUFFIE MORTGAGE CORPORATION 19 3.29% $6,031
KELLER MORTGAGE, LLC 18 3.17% $4,001
Home Mortgage Alliance Corp 17 3.01% $10,155
First Republic Bank 17 2.71% $6,103
UBS Bank USA 16 2.52% $9,207
GUILD MORTGAGE COMPANY 16 3.31% $8,090
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 3.05% $6,535
STEARNS LENDING, LLC 15 2.88% $10,998
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 15 3.01% $8,385
North American Savings Bank, F.S.B. 15 2.78% $2,518
Charles Schwab Bank, SSB 13 2.25% $5,443
Citibank 13 2.79% $10,796
Stifel Bank and Trust 13 2.81% $4,303
FREEDOM MORTGAGE CORPORATION 13 2.85% $4,952
MID AMERICA MORTGAGE, INC. 12 3.15% $4,540
SECURITYNATIONAL MORTGAGE COMPANY 12 3.54% $6,941
AMERICAN PACIFIC MORTGAGE CORPORATION 11 3.32% $6,320
Territorial Savings Bank 11 2.81% $10,021
NEWREZ LLC 11 3.18% $6,822
SOVEREIGN LENDING GROUP INCORPORATED 10 2.93% $5,081
Nations Lending Corporation 10 2.83% $22,915
Ameris Bank 10 2.91% $6,849
HAWAIIAN FINANCIAL 10 2.46% $4,897
NAVY FEDERAL CREDIT UNION 9 3.21% $8,310
Midwest Community Bank 8 2.84% $4,762
HomeStreet Bank 8 3.28% $5,123
JMJ FINANCIAL GROUP 8 3.02% $8,016
MANN FINANCIAL INC. 8 3.02% $6,725
PRIMARY RESIDENTIAL MORTGAGE, INC. 8 3.33% $5,973
Northpointe Bank 8 3.23% $7,351
MUTUAL OF OMAHA MORTGAGE, INC. 7 2.84% $4,082
City National Bank 6 2.91% $8,377
KeyBank 6 2.95% $7,033
PNC Bank 6 2.83% $11,812
The Federal Savings Bank 6 3.08% $8,577
Axos Bank 5 4.10% $32,423
CELEBRITY HOME LOANS, LLC 5 3.10% $6,179
ALOHA PACIFIC 4 2.50% $4,996
Strong Home Mortgage, LLC 4 2.78% $3,463
FUNDLOANS CAPITAL 4 3.56% $31,393
Franklin Loan Corporation 4 3.03% $6,686
SUN WEST MORTGAGE COMPANY, INC. 4 3.25% $13,309
TIAA, FSB 4 3.28% $6,572
PENTAGON FEDERAL CREDIT UNION 4 3.03% $7,941
First Home Bank 4 3.22% $8,021
V.I.P. MORTGAGE, INC. 4 3.50% $11,050
BNY Mellon 4 2.44% $5,274
BMO Harris Bank 3 3.13% $6,010
First Internet Bank of Indiana 3 2.88% $4,880
AMERICAN FINANCING CORPORATION 3 3.16% $5,373
FirstBank 3 3.04% $2,743
Arvest Bank 3 3.25% $4,324
PREMIER MORTGAGE RESOURCES, L.L.C. 3 3.46% $4,755
ACADEMY MORTGAGE CORPORATION 3 3.33% $6,751
Mortgage Research Center, LLC 3 3.04% $16,236
Plains Commerce Bank 3 2.83% $9,704
COMPASS HOME LOANS, LLC 2 3.06% $5,569
ADVANCIAL 2 4.63% $17,594
Bank of England 2 2.88% $4,854
CALCON MUTUAL MORTGAGE LLC 2 3.31% $4,844
Cf Bank 2 2.44% $2,919
Evolve Bank & Trust 2 2.75% $4,378
HSBC BANK USA, NATIONAL ASSOCIATION 2 2.79% $22,152
IMPAC MORTGAGE CORP. 2 3.38% $6,434
Northwest Farm Credit Services, FLCA 2 3.48% $13,847
OCMBC, INC. 2 4.44% $11,990
Paramount Residential Mortgage Group, Inc. 2 3.31% $5,817
Quontic Bank 2 5.25% $15,960
Silicon Valley Bank 2 2.50% $5,086
The Central Trust Bank 2 2.69% $4,547
Midland States Bank 1 2.75% $3,330
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 2.88% $17,958
MidFirst Bank 1 3.75% $2,324
Bank-Fund Staff Federal Credit Union 1 2.88% $6,686
SOUTHWEST FUNDING, LP 1 2.38% $10,943
LOGIX FEDERAL CREDIT UNION 1 3.00% $23,775
INTERNATIONAL CITY MORTGAGE, INC. 1 3.99% $18,588
Goldwater Bank, N.A. 1 3.13% $9,986
Goldman Sachs Bank USA 1 2.80% $8,899
Sunflower Bank 1 3.13% $15,970
First Western Trust Bank 1 3.00% $9,586
First Savings Bank 1 2.75% $5,309
Willamette Valley Bank 1 3.50% $4,870
EVERETT FINANCIAL, INC. 1 3.25% $4,412
The First National Bank of Middle Tennessee 1 2.88% $6,272
The Huntington National Bank 1 2.25% $9,023
The State Bank 1 3.25% $5,899
Commerce Home Mortgage, Inc. 1 3.38% $10,813
CMG MORTGAGE, INC. 1 3.25% $16,600
Carrington Mortgage Services, LLC 1 3.63% $5,582
USAA Federal Savings Bank 1 3.13% $4,876
BAY EQUITY LLC 1 2.75% $11,419
Barrington Bank & Trust Company, N.A. 1 3.75% $8,544
Northwest Federal Credit Union 1 2.75% $6,303
Mortgage Bank of California 1 4.50% $35,429
Washington Trust Bank 1 3.75% $5,567

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 for 2022-06-01 was $1,350,000, a difference of $277,500 (25.9%) versus the prior year and $55,000 versus the prior month.

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 listing age (time on market) for 2022-06-01 was 51 days. This is -20% shorter than the same period one year ago.

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.