Mortgage lending in Kauai County
1,048 mortgages were originated in Kauai County, Hawaii, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,048
- Median rate
- 6.500%
- Median lender fees
- $10,973
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $535,000
- Above the going rate (spread over APOR)
- -0.042
- Paid discount points
- 34.9%
- Received lender credits
- 23.6%
- Purchases / refinances
- 45.1% / 36.7%
- Conventional / FHA / VA
- 89.2% / 6.1% / 4.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 55.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,110,900
- Median home price
- $932,000
- That home, 20% down
- $745,600
A median-priced home with 20% down leaves $503,525 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $1,249,125 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Kauai County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Hawaiian Bank | 114 | — | 5.868% |
| United Shore Financial Services, LLC | 86 | $12,205 | 6.500% |
| Bank of Hawaii | 84 | — | 6.100% |
| Rocket Mortgage, LLC | 76 | $7,057 | 6.750% |
| American Savings Bank, FSB | 73 | — | 5.700% |
| Securitynational Mortgage Company | 51 | — | 7.125% |
What lenders charged here
Lender fees on a $535,000 loan, based on what was actually charged in Kauai County — not a rule of thumb.
From 580 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers