Hawaii mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Honolulu County | 5,570 | 6.125% | $11,077 | 5.75% |
| Hawaii County | 1,190 | 6.504% | $9,355 | 6.125% |
| Maui County | 572 | 6.375% | $12,736 | 6.125% |
| Kauai County | 274 | 6.5% | $13,165 | 6% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.