Mortgage lending in Kahului-Wailuku, HI
2,057 mortgages were originated in the Kahului-Wailuku, HI area in 2025, and here is what they cost.
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
- 2,057
- Median rate
- 6.375%
- Median lender fees
- $10,235
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
- $495,000
- Above the going rate (spread over APOR)
- -0.064
- Paid discount points
- 33.4%
- Received lender credits
- 22.7%
- Purchases / refinances
- 43.2% / 33.9%
- Conventional / FHA / VA
- 89.1% / 7% / 3.8%
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 53.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kahului-Wailuku, HI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank of Hawaii | 180 | — | 6.150% |
| First Hawaiian Bank | 171 | — | 5.868% |
| American Savings Bank, FSB | 161 | $8,697 | 5.700% |
| Guaranteed Rate, Inc. | 107 | $7,110 | 6.550% |
| Hawaii State Federal Credit Union | 104 | — | 5.900% |
| Rocket Mortgage, LLC | 97 | $4,624 | 6.990% |
| Loandepot.Com, LLC | 87 | $9,029 | 6.500% |
| United Shore Financial Services, LLC | 84 | $13,676 | 6.500% |
| Hawaiiusa Federal Credit Union | 78 | — | 5.500% |
| Northpointe Bank | 69 | — | 7.125% |