Kapaa Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kapaa averaged 7.01% for the week of 2024-05-16, compared to the national average of 7.02% for the same period.

The average rate for the prior week (2024-05-09) was 7.28% and one month ago for the week of 2024-04-11, the average rate was 6.97%.

Kapaa's average rate one year ago was 6.24%.

For refis of the same type during the week of 2024-05-16, the average rate was 6.25%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-16 7.02%
Kapaa 30 Year Fixed Rate 2024-05-16 7.01%
Kapaa 30 Year Fixed Rate Refi 2024-05-16 6.25%
Kapaa 15 Year Fixed Rate 2024-05-16 6.28%
Kapaa 15 Year Fixed Rate Refi 2024-05-16 6.38%
Kapaa 30 Year FHA 2024-05-16 6.54%
Kapaa 30 Year FHA Refi 2024-05-16 7.04%
Kapaa 30 Year USDA 2024-05-16 6.75%
Kapaa 30 Year USDA Refi 2024-05-16 6.85%
Kapaa 30 Year VA 2024-05-16 6.3%
Kapaa 30 Year VA Refi 2024-05-16 6.4%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kapaa, HI.

Kapaa 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 Kapaa, 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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 40 6.46% $15,932
First Hawaiian Bank 33 6.37% $13,825
QUICKEN LOANS, LLC 22 6.57% $12,297
SECURITYNATIONAL MORTGAGE COMPANY 18 7.08% $22,625
Bank of Hawaii 15 6.51% $17,009
CMG MORTGAGE, INC. 13 6.77% $14,945
GUARANTEED RATE, INC. 12 6.79% $13,664
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.23% $18,266
GUILD MORTGAGE COMPANY 6 7.48% $13,775
JPMorgan Chase Bank 6 6.50% $18,012
Wells Fargo Bank 5 6.08% $3,152
American Savings Bank, FSB 5 6.23% $13,984
Morgan Stanley Private Bank 5 5.66% $9,473
LOANDEPOT.COM, LLC 5 6.79% $17,651
CASTLE & COOKE MORTGAGE, LLC 5 6.77% $15,030
AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.53% $12,489
Citibank 4 5.19% $13,365
U.S. Bank 4 6.09% $11,215
NEWREZ LLC 3 6.54% $10,036
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.37% $15,848
Citadel Servicing Corporation 3 8.33% $45,820
HAWAIIUSA FEDERAL CREDIT UNION 3 6.79% $17,502
HOMEXPRESS MORTGAGE CORP. 3 8.33% $35,102
Barrington Bank & Trust Company, N.A. 3 7.25% $16,745
PLAZA HOME MORTGAGE, INC. 3 5.96% $27,096
FUNDLOANS CAPITAL 2 8.81% $95,221
Flagstar Bank, FSB 2 6.25% $7,800
BMO Harris Bank 2 6.56% $34,437
UBS Bank USA 2 6.56% $8,243
Central Pacific Bank 2 6.50% $8,396
Century Mortgage Company DBA Century Lending Company 2 6.63% $18,391
ZILLOW HOME LOANS, LLC 1 6.63% $9,441
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.75% $45,412
Arvest Bank 1 5.88% $8,602
Bank of America 1 5.00% $7,749
Bethpage Federal Credit Union 1 7.25% $11,421
BM Real Estate Services, Inc. 1 7.25% $22,216
CALCON MUTUAL MORTGAGE LLC 1 8.50% $23,438
CARDINAL FINANCIAL 1 6.75% $7,158
Farmers Bank & Trust 1 5.75% $6,364
First-Citizens Bank & Trust Company 1 4.25% $12,032
FREEDOM MORTGAGE CORPORATION 1 5.88% $7,525
HAWAII STATE FEDERAL CREDIT UNION 1 6.38% $13,633
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.05% $6,805
KELLER MORTGAGE, LLC 1 7.13% $8,298
MOVEMENT MORTGAGE, LLC 1 7.25% $16,082
Mr. Cooper ( Nationstar Mortgage ) 1 5.88% $10,252
Nations Lending Corporation 1 5.88% $21,185
NAVY FEDERAL CREDIT UNION 1 5.75% $2,754
Northpointe Bank 1 7.38% $4,413
ONY GLO, INC. 1 8.63% $14,545
Paramount Residential Mortgage Group, Inc. 1 6.38% $12,693
PENNYMAC LOAN SERVICES, LLC 1 6.63% $7,819
PENTAGON FEDERAL CREDIT UNION 1 5.75% $6,114
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.63% $14,225
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $5,812
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $16,713
Raymond James Bank 1 6.38% $3,743
S1L, Inc. 1 6.50% $40,866
Territorial Savings Bank 1 7.25% $7,526
Washington Trust Bank 1 5.50% $23,658
WESCOM CENTRAL CREDIT UNION 1 6.00% $5,105

Kapaa Average Closing Costs & Other Stats

Kapaa, HI's 62 lenders originated 809 loans during 2023. The total origination value was $502,655,000, with an average loan value of $621,329.

Kapaa's average closing costs are $9,206.

The top Kapaa lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 40 loans originated. Their average total fees are $15,932, which is $2,107 higher than the next largest lender, First Hawaiian Bank.

The lowest fee Kapaa lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($12,297), GUARANTEED RATE, INC. ($13,664), First Hawaiian Bank ($13,825), CMG MORTGAGE, INC. ($14,945) and UNITED WHOLESALE MORTGAGE, LLC ($15,932).

The lowest rate Kapaa lenders (with over 10 loans originated) are First Hawaiian Bank (6.37%), UNITED WHOLESALE MORTGAGE, LLC (6.46%), Bank of Hawaii (6.51%), QUICKEN LOANS, LLC (6.57%) and CMG MORTGAGE, INC. (6.77%).

Kapaa, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
First Hawaiian Bank $85,800,000 $74,685,000 -13.0% 14.9%
UNITED WHOLESALE MORTGAGE, LLC $68,060,000 $39,645,000 -41.7% 7.9%
Bank of Hawaii $111,775,000 $35,005,000 -68.7% 7.0%
SECURITYNATIONAL MORTGAGE COMPANY $27,175,000 $24,675,000 -9.2% 4.9%
BMO Harris Bank $21,380,000 n/a 4.3%
JPMorgan Chase Bank $27,140,000 $21,130,000 -22.1% 4.2%
HAWAIIUSA FEDERAL CREDIT UNION $22,945,000 $17,520,000 -23.6% 3.5%
American Savings Bank, FSB $48,475,000 $17,310,000 -64.3% 3.4%
QUICKEN LOANS, LLC $44,425,000 $16,165,000 -63.6% 3.2%
GUARANTEED RATE, INC. $27,060,000 $11,330,000 -58.1% 2.3%
CMG MORTGAGE, INC. $6,905,000 $10,960,000 58.7% 2.2%
Citibank $21,535,000 $10,545,000 -51.0% 2.1%
U.S. Bank $17,880,000 $10,250,000 -42.7% 2.0%
TEMPLE VIEW CAPITAL FUNDING, LP $7,405,000 $10,010,000 35.2% 2.0%
Citadel Servicing Corporation $1,940,000 $9,165,000 372.4% 1.8%
FUNDLOANS CAPITAL $3,695,000 $7,160,000 93.8% 1.4%
Bank of Utah $2,455,000 $6,540,000 166.4% 1.3%
Central Pacific Bank $23,775,000 $6,485,000 -72.7% 1.3%
Finance Factors, Limited $6,380,000 $6,335,000 -0.7% 1.3%
PLAZA HOME MORTGAGE, INC. $2,275,000 $5,845,000 156.9% 1.2%
Morgan Stanley Private Bank $9,500,000 $5,825,000 -38.7% 1.2%
Wells Fargo Bank $22,290,000 $5,165,000 -76.8% 1.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $31,985,000 $4,910,000 -84.6% 1.0%
Century Mortgage Company DBA Century Lending Company $4,715,000 n/a 0.9%
GUILD MORTGAGE COMPANY $1,405,000 $4,595,000 227.0% 0.9%
ALOHA PACIFIC $3,550,000 $4,575,000 28.9% 0.9%
HOMEXPRESS MORTGAGE CORP. $880,000 $4,495,000 410.8% 0.9%
Hawaii National Bank $4,005,000 n/a 0.8%
UBS Bank USA $27,035,000 $3,915,000 -85.5% 0.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $9,105,000 $3,510,000 -61.4% 0.7%
First-Citizens Bank & Trust Company $3,505,000 n/a 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,220,000 $3,500,000 8.7% 0.7%
PENNYMAC LOAN SERVICES, LLC $9,010,000 $3,485,000 -61.3% 0.7%
CARDINAL FINANCIAL $13,140,000 $3,355,000 -74.5% 0.7%
LOANDEPOT.COM, LLC $26,300,000 $3,345,000 -87.3% 0.7%
S1L, Inc. $2,995,000 n/a 0.6%
Flagstar Bank, FSB $7,080,000 $2,865,000 -59.5% 0.6%
FREEDOM MORTGAGE CORPORATION $7,055,000 $2,705,000 -61.7% 0.5%
Mortgage Research Center, LLC $4,110,000 $2,620,000 -36.3% 0.5%
CASTLE & COOKE MORTGAGE, LLC $4,225,000 $2,425,000 -42.6% 0.5%
HAWAIIAN FINANCIAL $9,025,000 $2,410,000 -73.3% 0.5%
Greenbox Loans, Inc. $2,375,000 n/a 0.5%
Bethpage Federal Credit Union $2,155,000 n/a 0.4%
RBC Bank, (Georgia) $4,535,000 $2,155,000 -52.5% 0.4%
NEWREZ LLC $1,705,000 $2,120,000 24.3% 0.4%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,445,000 $2,065,000 42.9% 0.4%
Barrington Bank & Trust Company, N.A. $2,065,000 n/a 0.4%
HAWAII STATE FEDERAL CREDIT UNION $1,825,000 $2,010,000 10.1% 0.4%
City National Bank $2,435,000 $2,005,000 -17.7% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $2,615,000 $1,930,000 -26.2% 0.4%
NEXERA HOLDING LLC $2,520,000 $1,675,000 -33.5% 0.3%
Washington Trust Bank $1,565,000 n/a 0.3%
V.I.P. MORTGAGE, INC. $1,560,000 n/a 0.3%
PENTAGON FEDERAL CREDIT UNION $205,000 $1,390,000 578.0% 0.3%
Bank of America $11,005,000 $1,370,000 -87.6% 0.3%
NAVY FEDERAL CREDIT UNION $1,450,000 $1,350,000 -6.9% 0.3%
ONY GLO, INC. $1,295,000 n/a 0.3%
American Mortgage & Equity Consultants, Inc. $1,250,000 n/a 0.2%
KeyBank $10,035,000 $1,185,000 -88.2% 0.2%
OCMBC, INC. $2,700,000 $1,185,000 -56.1% 0.2%
MOVEMENT MORTGAGE, LLC $1,270,000 $1,145,000 -9.8% 0.2%
BM Real Estate Services, Inc. $4,230,000 $1,125,000 -73.4% 0.2%
Charles Schwab Bank, SSB $8,475,000 $995,000 -88.3% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $4,620,000 $985,000 -78.7% 0.2%
NFM, INC. $960,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $2,325,000 $910,000 -60.9% 0.2%
Ameris Bank $900,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $1,585,000 $900,000 -43.2% 0.2%
FINANCE OF AMERICA REVERSE LLC $4,665,000 $870,000 -81.4% 0.2%
AMERISAVE MORTGAGE CORPORATION $8,385,000 $825,000 -90.2% 0.2%
KELLER MORTGAGE, LLC $705,000 $775,000 9.9% 0.2%
Territorial Savings Bank $1,110,000 $750,000 -32.4% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $2,015,000 $725,000 -64.0% 0.1%
ZILLOW HOME LOANS, LLC $725,000 n/a 0.1%
CALCON MUTUAL MORTGAGE LLC $895,000 $715,000 -20.1% 0.1%
CLEARPATH LENDING $605,000 $715,000 18.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $3,625,000 $665,000 -81.7% 0.1%
Arvest Bank $615,000 n/a 0.1%
Farmers Bank & Trust $605,000 n/a 0.1%
Plains Commerce Bank $1,135,000 $605,000 -46.7% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $2,240,000 $605,000 -73.0% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,625,000 $565,000 -78.5% 0.1%
Alaska USA Federal Credit Union $555,000 n/a 0.1%
Northpointe Bank $3,640,000 $525,000 -85.6% 0.1%
ADVANCIAL $495,000 n/a 0.1%
Nations Lending Corporation $2,025,000 $475,000 -76.5% 0.1%
BAY-VALLEY MORTGAGE GROUP $435,000 n/a 0.1%
HomeStreet Bank $1,890,000 $395,000 -79.1% 0.1%
ALL REVERSE MORTGAGE, INC. $365,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,190,000 $355,000 -83.8% 0.1%
Raymond James Bank $345,000 n/a 0.1%
Discover Bank $445,000 $320,000 -28.1% 0.1%
CIVIC FINANCIAL SERVICES, LLC $5,350,000 $285,000 -94.7% 0.1%
Hometown Equity Mortgage, LLC $3,830,000 $255,000 -93.3% 0.1%
LENDSURE MORTGAGE CORP. $3,420,000 $255,000 -92.5% 0.1%
WESCOM CENTRAL CREDIT UNION $205,000 n/a 0.0%
UNIVERSITY CREDIT UNION $145,000 n/a 0.0%

Kapaa's top lender by overall market share is First Hawaiian Bank, with 14.9% market share. In second place, with 7.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $39,645,000 in loans. In third place, with 7.0%, is Bank of Hawaii, having originated $35,005,000 in loans. In fourth place, with 4.9%, is SECURITYNATIONAL MORTGAGE COMPANY, having originated $24,675,000 in loans. In fifth place, with 4.3%, is BMO Harris Bank, having originated $21,380,000 in loans.


Kapaa Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Kapaa (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 $930,500 (15.8%) $2,152,650 (17.7%) 0.00 467
2018-02-01 $939,750 (10.6%) $1,957,891 (4.7%) 0.00 445
2018-03-01 $968,000 (11.7%) $2,048,720 (4.8%) 0.00 436
2018-04-01 $987,000 (14.1%) $2,112,711 (8.1%) 0.00 415
2018-05-01 $993,750 (10.6%) $2,134,297 (8.1%) 0.00 401
2018-06-01 $1,050,000 (12.8%) $2,192,483 (2.8%) 0.00 397
2018-07-01 $1,019,000 (10.5%) $2,249,527 (6.1%) 0.00 403
2018-08-01 $954,450 (6.6%) $2,082,669 (3.6%) 0.00 427
2018-09-01 $943,450 (5.1%) $2,027,291 (-4.5%) 0.00 436
2018-10-01 $894,500 (-0.3%) $1,999,458 (-6.3%) 0.00 435
2018-11-01 $864,000 (-2.8%) $1,918,129 (-10.0%) 0.00 457
2018-12-01 $894,000 (-3.4%) $1,965,661 (-8.0%) 0.00 474
2019-01-01 $897,625 (-3.5%) $2,006,009 (-6.8%) 0.00 472
2019-02-01 $897,000 (-4.6%) $1,978,996 (1.1%) 0.00 477
2019-03-01 $913,821 (-5.6%) $1,971,964 (-3.8%) 0.00 467
2019-04-01 $900,321 (-8.8%) $1,926,777 (-8.8%) 0.00 466
2019-05-01 $930,750 (-6.3%) $1,936,965 (-9.3%) 0.00 469
2019-06-01 $988,000 (-5.9%) $1,984,570 (-9.5%) 0.00 462
2019-07-01 $940,250 (-7.7%) $1,952,941 (-13.2%) 0.00 474
2019-08-01 $1,016,018 (6.5%) $1,978,560 (-5.0%) 0.00 453
2019-09-01 $1,079,795 (14.5%) $2,056,496 (1.4%) 0.00 437
2019-10-01 $1,102,614 (23.3%) $2,107,898 (5.4%) 0.00 434
2019-11-01 $1,124,000 (30.1%) $2,248,768 (17.2%) 0.00 447
2019-12-01 $1,098,500 (22.9%) $2,191,364 (11.5%) 0.00 491
2020-01-01 $1,062,500 (18.4%) $2,139,503 (6.7%) 0.00 473
2020-02-01 $1,090,000 (21.5%) $2,297,226 (16.1%) 0.00 457
2020-03-01 $1,070,500 (17.2%) $2,235,520 (13.4%) 0.00 446
2020-04-01 $978,000 (8.6%) $2,158,232 (12.0%) 0.00 425
2020-05-01 $912,500 (-2.0%) $1,963,440 (1.4%) 0.00 425
2020-06-01 $888,750 (-10.1%) $1,884,753 (-5.0%) 0.00 424
2020-07-01 $880,000 (-6.4%) $1,832,453 (-6.2%) 0.00 431
2020-08-01 $925,000 (-9.0%) $1,870,539 (-5.5%) 0.00 447
2020-09-01 $886,500 (-17.9%) $1,786,661 (-13.1%) 0.00 465
2020-10-01 $875,000 (-20.6%) $1,840,912 (-12.7%) 0.00 469
2020-11-01 $913,375 (-18.7%) $2,007,195 (-10.7%) 0.00 463
2020-12-01 $939,500 (-14.5%) $2,017,549 (-7.9%) 0.00 446
2021-01-01 $895,000 (-15.8%) $1,990,506 (-7.0%) 0.00 407
2021-02-01 $911,000 (-16.4%) $1,926,263 (-16.2%) 0.00 386
2021-03-01 $996,750 (-6.9%) $1,968,670 (-11.9%) 0.00 349
2021-04-01 $1,186,000 (21.3%) $2,046,976 (-5.2%) 0.00 353
2021-05-01 $1,395,000 (52.9%) $2,097,245 (6.8%) 0.00 287
2021-06-01 $1,490,000 (67.7%) $2,265,820 (20.2%) 0.00 238
2021-07-01 $1,485,000 (68.8%) $2,304,715 (25.8%) 0.00 238
2021-08-01 $1,624,500 (75.6%) $2,484,932 (32.9%) 0.00 216
2021-09-01 $1,597,250 (80.2%) $2,496,607 (39.7%) 0.00 214
2021-10-01 $1,450,000 (65.7%) $2,406,588 (30.7%) 0.00 205
2021-11-01 $1,530,000 (67.5%) $2,759,096 (37.5%) 0.00 177
2021-12-01 $1,494,775 (59.1%) $2,892,629 (43.4%) 0.00 180
2022-01-01 $1,350,000 (50.8%) $2,843,421 (42.9%) 0.00 169
2022-02-01 $1,353,750 (48.6%) $2,995,954 (55.5%) 0.00 155
2022-03-01 $1,494,750 (50.0%) $2,962,578 (50.5%) 0.00 148
2022-04-01 $1,649,000 (39.0%) $3,068,465 (49.9%) 0.00 127
2022-05-01 $1,706,250 (22.3%) $3,065,149 (46.2%) 0.00 128
2022-06-01 $1,812,944 (21.7%) $3,078,113 (35.9%) 0.00 144
2022-07-01 $1,695,000 (14.1%) $2,771,383 (20.3%) 0.00 167
2022-08-01 $1,616,250 (-0.5%) $2,626,382 (5.7%) 0.00 185
2022-09-01 $1,584,750 (-0.8%) $2,459,578 (-1.5%) 0.00 191
2022-10-01 $1,495,000 (3.1%) $2,398,252 (-0.4%) 0.00 203
2022-11-01 $1,515,000 (-1.0%) $2,544,280 (-7.8%) 0.00 206
2022-12-01 $1,545,000 (3.4%) $2,687,551 (-7.1%) 0.00 211
2023-01-01 $1,530,000 (13.3%) $2,847,728 (0.2%) 0.00 208
2023-02-01 $1,582,000 (16.9%) $2,875,553 (-4.0%) 0.00 204
2023-03-01 $1,636,250 (9.5%) $2,890,101 (-2.5%) 0.00 194
2023-04-01 $1,875,000 (13.7%) $3,152,824 (2.8%) 0.00 183
2023-05-01 $1,846,250 (8.2%) $3,147,776 (2.7%) 0.00 174
2023-06-01 $1,788,750 (-1.3%) $2,992,349 (-2.8%) 0.00 186
2023-07-01 $1,617,500 (-4.6%) $2,776,907 (0.2%) 0.00 210
2023-08-01 $1,611,250 (-0.3%) $2,778,552 (5.8%) 0.00 216
2023-09-01 $1,550,000 (-2.2%) $2,628,129 (6.9%) 0.00 217
2023-10-01 $1,599,500 (7.0%) $2,647,573 (10.4%) 0.00 219
2023-11-01 $1,572,000 (3.8%) $2,631,219 (3.4%) 0.00 220
2023-12-01 $1,400,000 (-9.4%) $2,480,519 (-7.7%) 0.00 222
2024-01-01 $1,561,000 (2.0%) $2,633,358 (-7.5%) 0.00 217
2024-02-01 $1,631,194 (3.1%) $2,893,868 (0.6%) 0.00 214
2024-03-01 $1,639,000 (0.2%) $3,046,500 (5.4%) 0.00 213
2024-04-01 $1,461,250 (-22.1%) $2,850,667 (-9.6%) 0.00 235
Kapaa's median listing price for 2024-04-01 was $1,461,250, a difference of $-413,750 (-22.1%) versus the prior year and $-177,750 versus the prior month.

Kapaa's median listing price comes in at 0% of the national average.

Kapaa's average listing price for 2024-04-01 was $2,850,667, a difference of $-302,157 (-9.6%) versus the prior year and $-195,833 versus the prior month.

For the 2024-04-01 period, Kapaa had 235 MLS listings, a difference of 22 listings (10%) versus the prior month and 52 listings (28%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Kapaa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,687 sqft
2018-02-01 0 days 1,699 sqft
2018-03-01 0 days 1,691 sqft
2018-04-01 0 days 1,697 sqft
2018-05-01 0 days 1,723 sqft
2018-06-01 0 days 1,724 sqft
2018-07-01 0 days 1,726 sqft
2018-08-01 0 days 1,627 sqft
2018-09-01 0 days 1,621 sqft
2018-10-01 0 days 1,575 sqft
2018-11-01 0 days 1,560 sqft
2018-12-01 0 days 1,567 sqft
2019-01-01 0 days 1,608 sqft
2019-02-01 0 days 1,559 sqft
2019-03-01 0 days 1,524 sqft
2019-04-01 0 days 1,511 sqft
2019-05-01 0 days 1,559 sqft
2019-06-01 0 days 1,550 sqft
2019-07-01 0 days 1,640 sqft
2019-08-01 0 days 1,656 sqft
2019-09-01 0 days 1,684 sqft
2019-10-01 0 days 1,698 sqft
2019-11-01 0 days 1,653 sqft
2019-12-01 0 days 1,641 sqft
2020-01-01 0 days 1,629 sqft
2020-02-01 0 days 1,640 sqft
2020-03-01 0 days 1,515 sqft
2020-04-01 0 days 1,430 sqft
2020-05-01 0 days 1,426 sqft
2020-06-01 0 days 1,427 sqft
2020-07-01 0 days 1,372 sqft
2020-08-01 0 days 1,406 sqft
2020-09-01 0 days 1,359 sqft
2020-10-01 0 days 1,359 sqft
2020-11-01 0 days 1,373 sqft
2020-12-01 0 days 1,365 sqft
2021-01-01 0 days 1,337 sqft
2021-02-01 0 days 1,305 sqft
2021-03-01 0 days 1,381 sqft
2021-04-01 0 days 1,436 sqft
2021-05-01 0 days 1,719 sqft
2021-06-01 0 days 1,729 sqft
2021-07-01 0 days 1,851 sqft
2021-08-01 0 days 1,925 sqft
2021-09-01 0 days 1,826 sqft
2021-10-01 0 days 1,465 sqft
2021-11-01 0 days 1,650 sqft
2021-12-01 0 days 1,677 sqft
2022-01-01 0 days 1,576 sqft
2022-02-01 0 days 1,556 sqft
2022-03-01 0 days 1,564 sqft
2022-04-01 0 days 1,634 sqft
2022-05-01 0 days 1,655 sqft
2022-06-01 0 days 1,669 sqft
2022-07-01 0 days 1,671 sqft
2022-08-01 0 days 1,679 sqft
2022-09-01 0 days 1,670 sqft
2022-10-01 0 days 1,556 sqft
2022-11-01 0 days 1,703 sqft
2022-12-01 0 days 1,735 sqft
2023-01-01 0 days 1,680 sqft
2023-02-01 0 days 1,671 sqft
2023-03-01 0 days 1,680 sqft
2023-04-01 0 days 1,761 sqft
2023-05-01 0 days 1,774 sqft
2023-06-01 0 days 1,757 sqft
2023-07-01 0 days 1,653 sqft
2023-08-01 0 days 1,550 sqft
2023-09-01 0 days 1,548 sqft
2023-10-01 0 days 1,630 sqft
2023-11-01 0 days 1,575 sqft
2023-12-01 0 days 1,508 sqft
2024-01-01 0 days 1,588 sqft
2024-02-01 0 days 1,681 sqft
2024-03-01 0 days 1,687 sqft
2024-04-01 0 days 1,585 sqft
Kapaa's median listing age (time on market) for 2024-04-01 was 0 days.

Kapaa's median square footage for active listings during the 2024-04-01 period was 1,585 sqft. One year prior, the average listing was 1,761 sqft.

Kapaa, HI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 379 $342,725,000 $904,288
Refi 116 $48,540,000 $418,448
Home Improvement 114 $22,340,000 $195,965
Other 107 $39,735,000 $371,355
Cash Out Refi 93 $49,315,000 $530,269

Kapaa's most frequently cited loan purpose was Home Purchase, with 379 originations. The 2nd most popular reason was Refi, with 116 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 186 $115,420,000 $620,538
5-6% 185 $150,695,000 $814,568
7-8% 168 $106,490,000 $633,869
4-5% 109 $41,775,000 $383,257
Over 8% 97 $60,985,000 $628,711
3-4% 50 $14,620,000 $292,400
2.5-3% 3 $815,000 $271,667
<2.5% 2 $1,070,000 $535,000

During 2023, Kapaa's most frequently originated rate bucket was 6-7%, with 186 originations.

Loan Sizing (Kapaa, HI MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 206 $58,910,000 $285,971
$600k-1000k 175 $131,015,000 $748,657
$400k-600k 143 $68,225,000 $477,098
$100k-200k 114 $15,800,000 $138,596
$Over $1MM 109 $224,645,000 $2,060,963
$100,000 or less 62 $4,060,000 $65,484

Kapaa's loan sizing saw the bucket of loans from $200k-400k with 206 originations, totaling $58,910,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 190 $145,130,000 $763,842
20-40% 166 $61,190,000 $368,614
Under 20% 166 $25,100,000 $151,205
80-100% 138 $109,330,000 $792,246
40-60% 134 $147,330,000 $1,099,478
Over 100% 2 $1,200,000 $600,000

Kapaa's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 190 originations, totaling $145,130,000 in origination value.