KAHULUI - WAILUKU - LAHAINA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kahului - Wailuku - Lahaina averaged
7.04%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.99% and
one month ago for the week of 2025-04-17, the
average rate was 7.11%.
Kahului - Wailuku - Lahaina's average rate one year ago was 7.2%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate | 2025-05-22 | 7.04% |
| Kahului - Wailuku - Lahaina 30 Year Fixed Rate Refi | 2025-05-22 | 7.41% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate | 2025-05-22 | 6.21% |
| Kahului - Wailuku - Lahaina 15 Year Fixed Rate Refi | 2025-05-22 | 6.31% |
| Kahului - Wailuku - Lahaina 30 Year FHA | 2025-05-22 | 6.81% |
| Kahului - Wailuku - Lahaina 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Kahului - Wailuku - Lahaina 30 Year USDA | 2025-05-22 | 6.63% |
| Kahului - Wailuku - Lahaina 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Kahului - Wailuku - Lahaina 30 Year VA | 2025-05-22 | 6.62% |
| Kahului - Wailuku - Lahaina 30 Year VA Refi | 2025-05-22 | 6.32% |
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 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 |
| 2025-04-01 | $1,196,000 (-14.5%) | $2,185,372 (-11.6%) | 0.00 | 1,313 |
KAHULUI - WAILUKU - LAHAINA's median listing price comes in at 0% of the national average.
KAHULUI - WAILUKU - LAHAINA's average listing price for 2025-04-01 was $2,185,372, a difference of $-287,797 (-11.6%) versus the prior year and $-39,015 versus the prior month.
For the 2025-04-01 period, KAHULUI - WAILUKU - LAHAINA had 1,313 MLS listings, a difference of 52 listings (4%) versus the prior month and 516 listings (65%) 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 |
| 2025-04-01 | 0 days | 1,045 sqft |
KAHULUI - WAILUKU - LAHAINA's median square footage for active listings during the 2025-04-01 period was 1,045 sqft. One year prior, the average listing was 1,133 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.