KAHULUI - WAILUKU - LAHAINA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kahului - Wailuku - Lahaina averaged
6.44%
for the week of 2024-10-24, compared to the national average of
6.54% for the same period.
The average rate for the prior week (2024-10-17) was
6.34% and
one month ago for the week of 2024-09-19, the
average rate was 5.89%.
Kahului - Wailuku - Lahaina's average rate one year ago was 7.53%.
For refis of the same type during the week of 2024-10-24, the average rate
was 6.42%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-10-24 | 6.54% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate | 2024-10-24 | 6.44% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate Refi | 2024-10-24 | 6.42% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate | 2024-10-24 | 5.91% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate Refi | 2024-10-24 | 6.01% |
| Kahului - Wailuku - Lahaina 30 Year FHA | 2024-10-24 | 6.03% |
| Kahului - Wailuku - Lahaina 30 Year FHA Refi | 2024-10-24 | 6.45% |
| Kahului - Wailuku - Lahaina 30 Year USDA | 2024-10-24 | 6.39% |
| Kahului - Wailuku - Lahaina 30 Year USDA Refi | 2024-10-24 | 6.19% |
| Kahului - Wailuku - Lahaina 30 Year VA | 2024-10-24 | 6.14% |
| Kahului - Wailuku - Lahaina 30 Year VA Refi | 2024-10-24 | 6.14% |
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.).
KAHULUI - WAILUKU - LAHAINA Average Closing Costs & Other Stats
KAHULUI-WAILUKU-LAHAINA, HI's 90 lenders originated 1,959
loans during 2023. The total origination value was $1,133,015,000, with an average loan value of
$578,364.
KAHULUI - WAILUKU - LAHAINA's average closing costs are $8,910.
The top KAHULUI - WAILUKU - LAHAINA lender as defined by loan originations is First Hawaiian Bank, with
144 loans originated. Their average total fees are
$12,971, which is $2,527
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are
Maui County Federal Credit Union ($4,607), Morgan Stanley Private Bank ($7,823), GUARANTEED RATE, INC. ($8,151), MLD MORTGAGE INC. ($12,067) and QUICKEN LOANS, LLC ($12,517).
The lowest rate KAHULUI - WAILUKU - LAHAINA lenders (with over 10 loans originated) are
Maui County Federal Credit Union (5.24%), Morgan Stanley Private Bank (5.52%), JPMorgan Chase Bank (5.83%), Century Mortgage Company DBA Century Lending Company (6.19%) and Central Pacific Bank (6.26%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| First Hawaiian Bank | $319,880,000 | $143,725,000 | -55.1% | 12.7% |
| Bank of Hawaii | $322,470,000 | $80,785,000 | -74.9% | 7.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $102,930,000 | $76,415,000 | -25.8% | 6.7% |
| American Savings Bank, FSB | $163,660,000 | $73,240,000 | -55.2% | 6.5% |
| GUARANTEED RATE, INC. | $130,915,000 | $50,430,000 | -61.5% | 4.5% |
| Morgan Stanley Private Bank | $54,585,000 | $36,230,000 | -33.6% | 3.2% |
| QUICKEN LOANS, LLC | $95,330,000 | $34,450,000 | -63.9% | 3.0% |
| Northpointe Bank | $82,165,000 | $29,945,000 | -63.6% | 2.6% |
| Central Pacific Bank | $65,665,000 | $27,075,000 | -58.8% | 2.4% |
| Citadel Servicing Corporation | $3,185,000 | $26,665,000 | 737.2% | 2.4% |
| HAWAIIUSA FEDERAL CREDIT UNION | $50,805,000 | $25,250,000 | -50.3% | 2.2% |
| LOANDEPOT.COM, LLC | $95,105,000 | $23,755,000 | -75.0% | 2.1% |
| HAWAII STATE FEDERAL CREDIT UNION | $32,215,000 | $23,700,000 | -26.4% | 2.1% |
| JPMorgan Chase Bank | $52,540,000 | $23,375,000 | -55.5% | 2.1% |
| Charles Schwab Bank, SSB | $10,495,000 | $23,135,000 | 120.4% | 2.0% |
| Century Mortgage Company DBA Century Lending Company | $16,245,000 | n/a | 1.4% | |
| CMG MORTGAGE, INC. | $1,405,000 | $14,370,000 | 922.8% | 1.3% |
| Commerce Home Mortgage, Inc. | $15,765,000 | $14,265,000 | -9.5% | 1.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $10,685,000 | $13,990,000 | 30.9% | 1.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $8,970,000 | $13,740,000 | 53.2% | 1.2% |
| NEWREZ LLC | $6,430,000 | $12,765,000 | 98.5% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $11,540,000 | $12,625,000 | 9.4% | 1.1% |
| Axos Bank | $8,805,000 | $12,260,000 | 39.2% | 1.1% |
| GUILD MORTGAGE COMPANY | $4,440,000 | $12,180,000 | 174.3% | 1.1% |
| Maui County Federal Credit Union | $12,100,000 | n/a | 1.1% | |
| HAWAIIAN FINANCIAL | $29,180,000 | $11,305,000 | -61.3% | 1.0% |
| BMO Harris Bank | $5,385,000 | $11,260,000 | 109.1% | 1.0% |
| HOMEXPRESS MORTGAGE CORP. | $2,580,000 | $11,030,000 | 327.5% | 1.0% |
| U.S. Bank | $21,630,000 | $10,980,000 | -49.2% | 1.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $16,760,000 | $10,020,000 | -40.2% | 0.9% |
| RBC Bank, (Georgia) | $11,610,000 | $9,740,000 | -16.1% | 0.9% |
| City National Bank | $9,895,000 | $9,370,000 | -5.3% | 0.8% |
| MLD MORTGAGE INC. | $18,435,000 | $8,880,000 | -51.8% | 0.8% |
| Wells Fargo Bank | $58,945,000 | $8,715,000 | -85.2% | 0.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $28,040,000 | $8,060,000 | -71.3% | 0.7% |
| FINANCE OF AMERICA REVERSE LLC | $15,300,000 | $7,910,000 | -48.3% | 0.7% |
| KINECTA | $2,375,000 | $7,770,000 | 227.2% | 0.7% |
| FUNDLOANS CAPITAL | $12,205,000 | $7,575,000 | -37.9% | 0.7% |
| Mortgage Research Center, LLC | $6,225,000 | $7,485,000 | 20.2% | 0.7% |
| Citibank | $16,865,000 | $6,850,000 | -59.4% | 0.6% |
| NEXERA HOLDING LLC | $9,040,000 | $6,315,000 | -30.1% | 0.6% |
| UBS Bank USA | $47,340,000 | $6,165,000 | -87.0% | 0.5% |
| Finance Factors, Limited | $10,825,000 | $5,460,000 | -49.6% | 0.5% |
| Bank of America | $55,860,000 | $5,435,000 | -90.3% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $8,300,000 | $5,030,000 | -39.4% | 0.4% |
| HighTechLending Inc | $11,865,000 | $4,480,000 | -62.2% | 0.4% |
| MidFirst Bank | $4,205,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $4,895,000 | $4,000,000 | -18.3% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,795,000 | $3,980,000 | -48.9% | 0.4% |
| Flagstar Bank, FSB | $4,400,000 | $3,905,000 | -11.3% | 0.3% |
| PNC Bank | $4,425,000 | $3,875,000 | -12.4% | 0.3% |
| V.I.P. MORTGAGE, INC. | $1,960,000 | $3,580,000 | 82.7% | 0.3% |
| Bank of Colorado | $3,305,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $4,410,000 | $3,105,000 | -29.6% | 0.3% |
| S1L, Inc. | $2,725,000 | $3,075,000 | 12.8% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $24,395,000 | $2,815,000 | -88.5% | 0.2% |
| Ameris Bank | $1,240,000 | $2,740,000 | 121.0% | 0.2% |
| OCMBC, INC. | $5,945,000 | $2,660,000 | -55.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,110,000 | $2,570,000 | 131.5% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,070,000 | $2,525,000 | 22.0% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,870,000 | $2,470,000 | -57.9% | 0.2% |
| Hawaii National Bank | $2,420,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $1,385,000 | $2,340,000 | 69.0% | 0.2% |
| Union Federal Savings and Loan Association | $2,285,000 | n/a | 0.2% | |
| CROSSCOUNTRY MORTGAGE, LLC | $4,385,000 | $2,270,000 | -48.2% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $7,065,000 | $2,215,000 | -68.6% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,065,000 | $2,175,000 | -69.2% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $32,770,000 | $2,055,000 | -93.7% | 0.2% |
| NBH Bank | $1,955,000 | n/a | 0.2% | |
| KeyBank | $6,520,000 | $1,740,000 | -73.3% | 0.2% |
| Northwest Farm Credit Services, FLCA | $1,655,000 | n/a | 0.1% | |
| Exchange Bank | $1,205,000 | $1,605,000 | 33.2% | 0.1% |
| The Federal Savings Bank | $2,950,000 | $1,580,000 | -46.4% | 0.1% |
| Security National Bank of Omaha | $1,535,000 | n/a | 0.1% | |
| BNY Mellon | $6,360,000 | $1,510,000 | -76.3% | 0.1% |
| Wilmington Savings Fund Society, FSB | $1,505,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $840,000 | $1,455,000 | 73.2% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $15,365,000 | $1,420,000 | -90.8% | 0.1% |
| Nations Lending Corporation | $3,580,000 | $1,380,000 | -61.5% | 0.1% |
| ALOHA PACIFIC | $1,595,000 | $1,290,000 | -19.1% | 0.1% |
| CASTLE & COOKE MORTGAGE, LLC | $9,950,000 | $1,265,000 | -87.3% | 0.1% |
| Stifel Bank and Trust | $9,180,000 | $1,250,000 | -86.4% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $1,175,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $1,140,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $765,000 | $1,080,000 | 41.2% | 0.1% |
| Plains Commerce Bank | $1,765,000 | $1,065,000 | -39.7% | 0.1% |
| First Republic Bank | $31,670,000 | $1,060,000 | -96.7% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,055,000 | n/a | 0.1% | |
| Territorial Savings Bank | $2,935,000 | $1,040,000 | -64.6% | 0.1% |
| STAR ONE CREDIT UNION | $1,035,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $945,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $4,430,000 | $895,000 | -79.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,355,000 | $865,000 | -63.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,275,000 | $840,000 | -34.1% | 0.1% |
| JMJ FINANCIAL GROUP | $615,000 | $830,000 | 35.0% | 0.1% |
| HomeStreet Bank | $5,615,000 | $820,000 | -85.4% | 0.1% |
| Bethpage Federal Credit Union | $495,000 | $755,000 | 52.5% | 0.1% |
| AXIA FINANCIAL, LLC | $5,470,000 | $710,000 | -87.0% | 0.1% |
| BM Real Estate Services, Inc. | $3,410,000 | $710,000 | -79.2% | 0.1% |
| NBKC BANK | $8,435,000 | $695,000 | -91.8% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $8,935,000 | $685,000 | -92.3% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $1,975,000 | $675,000 | -65.8% | 0.1% |
| LIMA ONE CAPITAL, LLC | $3,115,000 | $675,000 | -78.3% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,555,000 | $675,000 | -81.0% | 0.1% |
| Washington Trust Bank | $1,505,000 | $665,000 | -55.8% | 0.1% |
| CALIBER HOME LOANS, INC. | $35,750,000 | $655,000 | -98.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $625,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $535,000 | $615,000 | 15.0% | 0.1% |
| Umpqua Bank | $4,255,000 | $605,000 | -85.8% | 0.1% |
| Willamette Valley Bank | $595,000 | n/a | 0.1% | |
| CITYWIDE HOME LOANS, LLC | $555,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $555,000 | n/a | 0.0% | |
| Bank of England | $545,000 | n/a | 0.0% | |
| Discover Bank | $925,000 | $540,000 | -41.6% | 0.0% |
| ENVOY MORTGAGE, LTD | $12,555,000 | $515,000 | -95.9% | 0.0% |
| EQUITY WAVE LENDING, INC. | $505,000 | n/a | 0.0% | |
| Community First National Bank | $500,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $3,070,000 | $475,000 | -84.5% | 0.0% |
| Mortgage Bank of California | $2,795,000 | $475,000 | -83.0% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $11,020,000 | $445,000 | -96.0% | 0.0% |
| Carrington Mortgage Services, LLC | $1,935,000 | $430,000 | -77.8% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $305,000 | $375,000 | 23.0% | 0.0% |
| State Department Federal Credit Union | $345,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $305,000 | n/a | 0.0% | |
| MATANUSKA VALLEY FEDERAL CREDIT UNION | $285,000 | n/a | 0.0% | |
| Residential First Mortgage | $275,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $845,000 | $270,000 | -68.0% | 0.0% |
| UNIVERSITY CREDIT UNION | $520,000 | $255,000 | -51.0% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $215,000 | n/a | 0.0% | |
| Pinnacle Bank | $215,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $205,000 | n/a | 0.0% | |
| UMB Bank | $205,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $5,025,000 | $135,000 | -97.3% | 0.0% |
| Figure Lending LLC | $125,000 | n/a | 0.0% | |
| HICKAM | $205,000 | $105,000 | -48.8% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% |
KAHULUI - WAILUKU - LAHAINA's top lender by overall market share is First Hawaiian Bank, with 12.7% market share. In second place, with 7.1%, is Bank of Hawaii, having originated $80,785,000 in loans. In third place, with 6.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $76,415,000 in loans. In fourth place, with 6.5%, is American Savings Bank, FSB, having originated $73,240,000 in loans. In fifth place, with 4.5%, is GUARANTEED RATE, INC., having originated $50,430,000 in loans.
KAHULUI-WAILUKU-LAHAINA, HI Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 96708 | Kahului-Wailuku-Lahaina, HI MSA | $1,850 | $1,940 | $2,400 | $3,300 | $3,560 |
| 96713 | Kahului-Wailuku-Lahaina, HI MSA | $1,650 | $1,730 | $2,140 | $2,940 | $3,170 |
| 96729 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
| 96732 | Kahului-Wailuku-Lahaina, HI MSA | $1,420 | $1,490 | $1,840 | $2,530 | $2,730 |
| 96733 | Kahului-Wailuku-Lahaina, HI MSA | $1,540 | $1,610 | $1,990 | $2,740 | $2,950 |
| 96748 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
| 96753 | Kahului-Wailuku-Lahaina, HI MSA | $1,870 | $1,970 | $2,430 | $3,340 | $3,600 |
| 96757 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
| 96761 | Kahului-Wailuku-Lahaina, HI MSA | $1,600 | $1,670 | $2,070 | $2,850 | $3,070 |
| 96763 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
| 96767 | Kahului-Wailuku-Lahaina, HI MSA | $1,540 | $1,610 | $1,990 | $2,740 | $2,950 |
| 96768 | Kahului-Wailuku-Lahaina, HI MSA | $1,480 | $1,550 | $1,920 | $2,640 | $2,850 |
| 96770 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
| 96779 | Kahului-Wailuku-Lahaina, HI MSA | $2,180 | $2,280 | $2,820 | $3,880 | $4,180 |
| 96784 | Kahului-Wailuku-Lahaina, HI MSA | $1,540 | $1,610 | $1,990 | $2,740 | $2,950 |
| 96788 | Kahului-Wailuku-Lahaina, HI MSA | $1,540 | $1,610 | $1,990 | $2,740 | $2,950 |
| 96790 | Kahului-Wailuku-Lahaina, HI MSA | $1,460 | $1,530 | $1,890 | $2,600 | $2,800 |
| 96793 | Kahului-Wailuku-Lahaina, HI MSA | $1,330 | $1,420 | $1,770 | $2,420 | $2,650 |
2022 Average & Median Rent Data Statistics
KAHULUI-WAILUKU-LAHAINA, HI average 1BR rent: $1,618, median: $1,580
KAHULUI-WAILUKU-LAHAINA, HI average 2BR rent: $2,005, median: $1,955
KAHULUI-WAILUKU-LAHAINA, HI average 3BR rent: $2,753, median: $2,690
KAHULUI-WAILUKU-LAHAINA, HI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 990 | $761,490,000 | $769,182 |
| Home Improvement | 320 | $58,690,000 | $183,406 |
| Other | 268 | $119,650,000 | $446,455 |
| Cash Out Refi | 197 | $105,575,000 | $535,914 |
| Refi | 184 | $87,610,000 | $476,141 |
Kahului - Wailuku - Lahaina's most frequently cited loan purpose was Home Purchase, with 990 originations. The 2nd most popular reason was Home Improvement, with 320 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 550 | $343,460,000 | $624,473 |
| 5-6% | 448 | $282,340,000 | $630,223 |
| 7-8% | 392 | $212,370,000 | $541,760 |
| 4-5% | 240 | $116,880,000 | $487,000 |
| Over 8% | 229 | $135,665,000 | $592,424 |
| 3-4% | 84 | $28,410,000 | $338,214 |
| <2.5% | 4 | $80,000 | $20,000 |
| 2.5-3% | 1 | $505,000 | $505,000 |
During 2023, Kahului - Wailuku - Lahaina's most frequently originated rate bucket was 6-7%, with 550 originations.
Loan Sizing (KAHULUI-WAILUKU-LAHAINA, HI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 456 | $131,260,000 | $287,851 |
| $600k-1000k | 443 | $339,935,000 | $767,348 |
| $400k-600k | 391 | $191,345,000 | $489,373 |
| $Over $1MM | 244 | $423,930,000 | $1,737,418 |
| $100k-200k | 243 | $34,925,000 | $143,724 |
| $100,000 or less | 182 | $11,620,000 | $63,846 |
KAHULUI - WAILUKU - LAHAINA's loan sizing saw the bucket of loans from $200k-400k with 456 originations, totaling $131,260,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 513 | $451,115,000 | $879,366 |
| Under 20% | 434 | $62,420,000 | $143,825 |
| 80-100% | 348 | $266,150,000 | $764,799 |
| 20-40% | 340 | $135,080,000 | $397,294 |
| 40-60% | 273 | $186,735,000 | $684,011 |
| Over 100% | 6 | $5,080,000 | $846,667 |
KAHULUI - WAILUKU - LAHAINA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 513 originations, totaling $451,115,000 in origination value.