Kapaa Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Kapaa averaged 7% 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 7.25% and one month ago for the week of 2025-04-17, the average rate was 7.17%.

    Kapaa's average rate one year ago was 7.46%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.16%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Kapaa 30 Year Fixed Rate 2025-05-22 7%
    Kapaa 30 Year Fixed Rate Refi 2025-05-22 7.16%
    Kapaa 15 Year Fixed Rate 2025-05-22 6.11%
    Kapaa 15 Year Fixed Rate Refi 2025-05-22 6.01%
    Kapaa 30 Year FHA 2025-05-22 6.51%
    Kapaa 30 Year FHA Refi 2025-05-22 6.61%
    Kapaa 30 Year USDA 2025-05-22 6.63%
    Kapaa 30 Year USDA Refi 2025-05-22 6.23%
    Kapaa 30 Year VA 2025-05-22 6.42%
    Kapaa 30 Year VA Refi 2025-05-22 6.72%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 42 6.64% $14,222
    QUICKEN LOANS, LLC 26 6.63% $13,552
    CMG MORTGAGE, INC. 24 7.06% $11,242
    SECURITYNATIONAL MORTGAGE COMPANY 19 7.09% $19,523
    Bank of Hawaii 17 6.49% $19,375
    First Hawaiian Bank 14 6.95% $18,144
    American Savings Bank, FSB 12 6.51% $16,158
    GUARANTEED RATE, INC. 12 6.60% $13,533
    OAKTREE FUNDING CORP. 10 7.62% $13,713
    NEXERA HOLDING LLC 9 7.54% $25,020
    GUILD MORTGAGE COMPANY 9 6.63% $13,950
    PACIFIC HOME LOANS, INC. 7 6.98% $7,511
    Wells Fargo Bank 6 6.40% $9,930
    HAWAIIUSA FEDERAL CREDIT UNION 5 6.88% $11,435
    Century Mortgage Company DBA Century Lending Company 5 6.75% $18,649
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.75% $10,189
    JPMorgan Chase Bank 4 6.31% $8,587
    NFM, INC. 4 6.97% $12,191
    Central Pacific Bank 4 7.31% $16,028
    NEWREZ LLC 4 6.25% $12,080
    Flagstar Bank, FSB 3 7.21% $10,952
    LOANDEPOT.COM, LLC 3 6.58% $11,931
    Morgan Stanley Private Bank 3 6.33% $5,916
    Citibank 3 6.25% $9,217
    Citadel Servicing Corporation 3 7.87% $44,498
    CROSSCOUNTRY MORTGAGE, LLC 3 7.29% $17,888
    PENNYMAC LOAN SERVICES, LLC 3 6.42% $14,682
    PLAZA HOME MORTGAGE, INC. 3 6.79% $15,808
    FREEDOM MORTGAGE CORPORATION 2 7.00% $8,271
    BMO Harris Bank 2 6.13% $10,196
    CASTLE & COOKE MORTGAGE, LLC 2 6.93% $14,629
    HAWAII STATE FEDERAL CREDIT UNION 2 5.88% $9,616
    HOMEXPRESS MORTGAGE CORP. 2 7.19% $36,729
    LENDSURE MORTGAGE CORP. 2 7.44% $23,614
    Logan Finance Corporation 2 6.94% $23,311
    The Loan Store, Inc. 2 6.81% $6,955
    Hometown Equity Mortgage, LLC 1 9.25% $25,120
    Mortgage Research Center, LLC 1 7.13% $9,081
    MOVEMENT MORTGAGE, LLC 1 7.00% $7,775
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $6,333
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.99% $19,023
    NAVY FEDERAL CREDIT UNION 1 5.63% $16,911
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 9.13% $9,759
    Discover Bank 1 6.73% $0
    DEEPHAVEN MORTGAGE LLC 1 7.88% $19,370
    North American Savings Bank, F.S.B. 1 7.50% $32,687
    Charles Schwab Bank, SSB 1 6.68% $4,106
    BM Real Estate Services, Inc. 1 7.75% $30,012
    Bethpage Federal Credit Union 1 6.50% $4,268
    Barrington Bank & Trust Company, N.A. 1 6.88% $5,423
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.63% $9,280
    Bank First, N.A. 1 6.88% $8,550
    ARC HOME LLC 1 7.38% $8,080
    Stifel Bank and Trust 1 6.50% $3,511
    Territorial Savings Bank 1 6.13% $17,173
    AMERISAVE MORTGAGE CORPORATION 1 7.38% $7,035
    UBS Bank USA 1 5.75% $6,502
    Ameris Bank 1 5.99% $5,138
    JMJ FINANCIAL GROUP 1 6.88% $4,694
    U.S. Bank 1 7.38% $17,152

    Kapaa Average Closing Costs & Other Stats

    Kapaa, HI's 60 lenders originated 789 loans during 2024. The total origination value was $540,925,000, with an average loan value of $685,583.

    Kapaa's average closing costs are $9,571.

    The top Kapaa lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 42 loans originated. Their average total fees are $14,222, which is $671 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Kapaa lenders (with over 10 loans originated) are CMG MORTGAGE, INC. ($11,242), GUARANTEED RATE, INC. ($13,533), QUICKEN LOANS, LLC ($13,552), OAKTREE FUNDING CORP. ($13,713) and UNITED WHOLESALE MORTGAGE, LLC ($14,222).

    The lowest rate Kapaa lenders (with over 10 loans originated) are Bank of Hawaii (6.49%), American Savings Bank, FSB (6.51%), GUARANTEED RATE, INC. (6.60%), QUICKEN LOANS, LLC (6.63%) and UNITED WHOLESALE MORTGAGE, LLC (6.64%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Bank of Hawaii $35,005,000 $66,935,000 91.2% 12.4%
    UNITED WHOLESALE MORTGAGE, LLC $39,645,000 $52,515,000 32.5% 9.7%
    First Hawaiian Bank $74,685,000 $39,775,000 -46.7% 7.4%
    QUICKEN LOANS, LLC $16,165,000 $27,430,000 69.7% 5.1%
    American Savings Bank, FSB $17,310,000 $23,900,000 38.1% 4.4%
    CMG MORTGAGE, INC. $10,960,000 $23,375,000 113.3% 4.3%
    SECURITYNATIONAL MORTGAGE COMPANY $24,675,000 $22,290,000 -9.7% 4.1%
    GUARANTEED RATE, INC. $11,330,000 $21,215,000 87.2% 3.9%
    HOMEXPRESS MORTGAGE CORP. $4,495,000 $15,270,000 239.7% 2.8%
    Bank of America $1,370,000 $13,055,000 852.9% 2.4%
    NEXERA HOLDING LLC $1,675,000 $10,425,000 522.4% 1.9%
    GUILD MORTGAGE COMPANY $4,595,000 $9,615,000 109.2% 1.8%
    HAWAIIUSA FEDERAL CREDIT UNION $17,520,000 $8,860,000 -49.4% 1.6%
    Citadel Servicing Corporation $9,165,000 $8,480,000 -7.5% 1.6%
    FREEDOM MORTGAGE CORPORATION $2,705,000 $8,370,000 209.4% 1.5%
    JPMorgan Chase Bank $21,130,000 $7,095,000 -66.4% 1.3%
    Century Mortgage Company DBA Century Lending Company $4,715,000 $6,950,000 47.4% 1.3%
    PENNYMAC LOAN SERVICES, LLC $3,485,000 $6,925,000 98.7% 1.3%
    OAKTREE FUNDING CORP. $6,670,000 n/a 1.2%
    Wells Fargo Bank $5,165,000 $6,620,000 28.2% 1.2%
    Central Pacific Bank $6,485,000 $6,270,000 -3.3% 1.2%
    PACIFIC HOME LOANS, INC. $5,970,000 n/a 1.1%
    Mortgage Research Center, LLC $2,620,000 $5,635,000 115.1% 1.0%
    NEWREZ LLC $2,120,000 $5,590,000 163.7% 1.0%
    FUNDLOANS CAPITAL $7,160,000 $5,145,000 -28.1% 1.0%
    Citibank $10,545,000 $5,060,000 -52.0% 0.9%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $2,065,000 $4,695,000 127.4% 0.9%
    Commerce Home Mortgage, Inc. $4,550,000 n/a 0.8%
    PLAZA HOME MORTGAGE, INC. $5,845,000 $4,390,000 -24.9% 0.8%
    LENDSURE MORTGAGE CORP. $255,000 $4,255,000 1,568.6% 0.8%
    Logan Finance Corporation $4,200,000 n/a 0.8%
    Morgan Stanley Private Bank $5,825,000 $4,065,000 -30.2% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $725,000 $3,850,000 431.0% 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $3,510,000 $3,690,000 5.1% 0.7%
    NFM, INC. $960,000 $3,390,000 253.1% 0.6%
    NAVY FEDERAL CREDIT UNION $1,350,000 $3,310,000 145.2% 0.6%
    Flagstar Bank, FSB $2,865,000 $3,250,000 13.4% 0.6%
    FINANCE OF AMERICA REVERSE LLC $870,000 $3,115,000 258.0% 0.6%
    The Loan Store, Inc. $2,960,000 n/a 0.5%
    BMO Harris Bank $21,380,000 $2,780,000 -87.0% 0.5%
    MidFirst Bank $2,705,000 n/a 0.5%
    VELOCITY COMMERCIAL CAPITAL, LLC $2,610,000 n/a 0.5%
    HAWAII STATE FEDERAL CREDIT UNION $2,010,000 $2,585,000 28.6% 0.5%
    LOANDEPOT.COM, LLC $3,345,000 $2,530,000 -24.4% 0.5%
    Washington Trust Bank $1,565,000 $2,510,000 60.4% 0.5%
    ARC HOME LLC $2,365,000 n/a 0.4%
    Cache Valley Bank $2,365,000 n/a 0.4%
    AMERITRUST MORTGAGE CORPORATION $2,245,000 n/a 0.4%
    CASTLE & COOKE MORTGAGE, LLC $2,425,000 $2,130,000 -12.2% 0.4%
    HAWAIIAN FINANCIAL $2,410,000 $2,065,000 -14.3% 0.4%
    Zions Bank $2,005,000 n/a 0.4%
    LONGBRIDGE FINANCIAL, LLC $1,995,000 n/a 0.4%
    UBS Bank USA $3,915,000 $1,935,000 -50.6% 0.4%
    TEMPLE VIEW CAPITAL FUNDING, LP $10,010,000 $1,835,000 -81.7% 0.3%
    Axos Bank $1,740,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $2,065,000 $1,565,000 -24.2% 0.3%
    Plains Commerce Bank $605,000 $1,560,000 157.9% 0.3%
    Bank First, N.A. $1,425,000 n/a 0.3%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $4,910,000 $1,345,000 -72.6% 0.2%
    Hometown Equity Mortgage, LLC $255,000 $1,285,000 403.9% 0.2%
    MOVEMENT MORTGAGE, LLC $1,145,000 $1,235,000 7.9% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $985,000 $1,225,000 24.4% 0.2%
    USAA Federal Savings Bank $1,125,000 n/a 0.2%
    BM Real Estate Services, Inc. $1,125,000 $1,105,000 -1.8% 0.2%
    CARDINAL FINANCIAL $3,355,000 $1,045,000 -68.9% 0.2%
    Cornerstone First Mortgage, Inc $995,000 n/a 0.2%
    North American Savings Bank, F.S.B. $945,000 n/a 0.2%
    DEEPHAVEN MORTGAGE LLC $940,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,930,000 $905,000 -53.1% 0.2%
    Carrington Mortgage Services, LLC $900,000 n/a 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $605,000 $865,000 43.0% 0.2%
    The Federal Savings Bank $850,000 n/a 0.2%
    U.S. Bank $10,250,000 $755,000 -92.6% 0.1%
    Stifel Bank and Trust $685,000 n/a 0.1%
    OCMBC, INC. $1,185,000 $625,000 -47.3% 0.1%
    Ameris Bank $900,000 $615,000 -31.7% 0.1%
    Territorial Savings Bank $750,000 $595,000 -20.7% 0.1%
    Bethpage Federal Credit Union $2,155,000 $525,000 -75.6% 0.1%
    Discover Bank $320,000 $490,000 53.1% 0.1%
    AMERISAVE MORTGAGE CORPORATION $825,000 $465,000 -43.6% 0.1%
    Greenbox Loans, Inc. $2,375,000 $465,000 -80.4% 0.1%
    ALOHA PACIFIC $4,575,000 $440,000 -90.4% 0.1%
    MID AMERICA MORTGAGE, INC. $900,000 $265,000 -70.6% 0.0%
    Charles Schwab Bank, SSB $995,000 $205,000 -79.4% 0.0%
    JMJ FINANCIAL GROUP $155,000 n/a 0.0%

    Kapaa's top lender by overall market share is Bank of Hawaii, with 12.4% market share. In second place, with 9.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $52,515,000 in loans. In third place, with 7.4%, is First Hawaiian Bank, having originated $39,775,000 in loans. In fourth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $27,430,000 in loans. In fifth place, with 4.4%, is American Savings Bank, FSB, having originated $23,900,000 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
    2024-05-01 $1,437,250 (-22.2%) $2,768,103 (-12.1%) 0.00 263
    2024-06-01 $1,395,000 (-22.0%) $2,625,164 (-12.3%) 0.00 289
    2024-07-01 $1,398,000 (-13.6%) $2,663,628 (-4.1%) 0.00 314
    2024-08-01 $1,399,000 (-13.2%) $2,455,462 (-11.6%) 0.00 306
    2024-09-01 $1,475,000 (-4.8%) $2,528,745 (-3.8%) 0.00 300
    2024-10-01 $1,468,750 (-8.2%) $2,487,126 (-6.1%) 0.00 305
    2024-11-01 $1,399,000 (-11.0%) $2,503,464 (-4.9%) 0.00 318
    2024-12-01 $1,347,500 (-3.8%) $2,562,849 (3.3%) 0.00 346
    2025-01-01 $1,398,000 (-10.4%) $2,673,127 (1.5%) 0.00 352
    2025-02-01 $1,397,000 (-14.4%) $2,799,593 (-3.3%) 0.00 361
    2025-03-01 $1,399,500 (-14.6%) $2,699,949 (-11.4%) 0.00 368
    2025-04-01 $1,375,000 (-5.9%) $2,519,077 (-11.6%) 0.00 398
    Kapaa's median listing price for 2025-04-01 was $1,375,000, a difference of $-86,250 (-5.9%) versus the prior year and $-24,500 versus the prior month.

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

    Kapaa's average listing price for 2025-04-01 was $2,519,077, a difference of $-331,590 (-11.6%) versus the prior year and $-180,872 versus the prior month.

    For the 2025-04-01 period, Kapaa had 398 MLS listings, a difference of 30 listings (8%) versus the prior month and 163 listings (69%) 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 1,345 sqft
    2021-02-01 0 days 1,310 sqft
    2021-03-01 0 days 1,383 sqft
    2021-04-01 0 days 1,437 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 1,600 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
    2024-05-01 0 days 1,542 sqft
    2024-06-01 0 days 1,400 sqft
    2024-07-01 0 days 1,400 sqft
    2024-08-01 0 days 1,327 sqft
    2024-09-01 0 days 1,397 sqft
    2024-10-01 0 days 1,309 sqft
    2024-11-01 0 days 1,308 sqft
    2024-12-01 0 days 1,298 sqft
    2025-01-01 0 days 1,344 sqft
    2025-02-01 0 days 1,348 sqft
    2025-03-01 0 days 1,351 sqft
    2025-04-01 0 days 1,340 sqft
    Kapaa's median listing age (time on market) for 2025-04-01 was 0 days.

    Kapaa's median square footage for active listings during the 2025-04-01 period was 1,340 sqft. One year prior, the average listing was 1,585 sqft.

    Kapaa, HI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 392 $351,540,000 $896,786
    Cash Out Refi 129 $70,575,000 $547,093
    Refi 111 $61,645,000 $555,360
    Other 86 $35,710,000 $415,233
    Home Improvement 69 $16,905,000 $245,000
    NA 2 $4,550,000 $2,275,000

    Kapaa's most frequently cited loan purpose was Home Purchase, with 392 originations. The 2nd most popular reason was Cash Out Refi, with 129 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 292 $198,600,000 $680,137
    7-8% 277 $184,895,000 $667,491
    Over 8% 110 $48,860,000 $444,182
    5-6% 105 $101,945,000 $970,905
    4-5% 3 $5,915,000 $1,971,667
    <2.5% 2 $710,000 $355,000

    During 2024, Kapaa's most frequently originated rate bucket was 6-7%, with 292 originations.

    Loan Sizing (Kapaa, HI MSA)

    Loan Size Originations Total Value Average Loan
    $600k-1000k 228 $176,830,000 $775,570
    $200k-400k 178 $51,550,000 $289,607
    $400k-600k 130 $62,080,000 $477,538
    $Over $1MM 130 $236,830,000 $1,821,769
    $100k-200k 81 $10,985,000 $135,617
    $100,000 or less 42 $2,650,000 $63,095

    Kapaa's loan sizing saw the bucket of loans from $600k-1000k with 228 originations, totaling $176,830,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 227 $208,495,000 $918,480
    20-40% 141 $63,305,000 $448,972
    Under 20% 137 $21,425,000 $156,387
    40-60% 134 $96,280,000 $718,507
    80-100% 134 $106,750,000 $796,642
    Over 100% 8 $40,250,000 $5,031,250

    Kapaa's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 227 originations, totaling $208,495,000 in origination value.