KAHULUI - WAILUKU - LAHAINA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kahului - Wailuku - Lahaina averaged
6.89%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.12% and
one month ago for the week of 2025-05-15, the
average rate was 6.99%.
Kahului - Wailuku - Lahaina's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate | 2025-06-18 | 6.89% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate Refi | 2025-06-18 | 7.26% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate Refi | 2025-06-18 | 6.46% |
| Kahului - Wailuku - Lahaina 30 Year FHA | 2025-06-18 | -0.1% |
| Kahului - Wailuku - Lahaina 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Kahului - Wailuku - Lahaina 30 Year USDA | 2025-06-18 | -0.2% |
| Kahului - Wailuku - Lahaina 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Kahului - Wailuku - Lahaina 30 Year VA | 2025-06-18 | -0.1% |
| Kahului - Wailuku - Lahaina 30 Year VA Refi | 2025-06-18 | 0.1% |
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 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, 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.