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 5.9% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 5.72% and one month ago for the week of 2023-04-20, the average rate was 5.82%.

    Kapaa's average rate one year ago was 4.58%.

    For refis of the same type during the week of 2023-05-25, the average rate was 4.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Kapaa 30 Year Fixed Rate 2023-05-25 5.9%
    Kapaa 30 Year Fixed Rate Refi 2023-05-25 4.29%
    Kapaa 15 Year Fixed Rate 2023-05-25 5.77%
    Kapaa 15 Year Fixed Rate Refi 2023-05-25 6.27%
    Kapaa 30 Year FHA 2023-05-25 6.61%
    Kapaa 30 Year FHA Refi 2023-05-25 6.61%
    Kapaa 30 Year USDA 2023-05-25 6.73%
    Kapaa 30 Year USDA Refi 2023-05-25 6.63%
    Kapaa 30 Year VA 2023-05-25 6.61%
    Kapaa 30 Year VA Refi 2023-05-25 6.21%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    First Hawaiian Bank 83 4.64% $11,509
    UNITED WHOLESALE MORTGAGE, LLC 79 4.35% $13,738
    QUICKEN LOANS, LLC 70 4.40% $11,094
    Bank of Hawaii 47 4.10% $15,676
    LOANDEPOT.COM, LLC 30 3.39% $10,855
    HOMEBRIDGE FINANCIAL SERVICES, INC. 27 4.60% $15,631
    SECURITYNATIONAL MORTGAGE COMPANY 23 5.04% $15,402
    American Savings Bank, FSB 23 4.22% $9,032
    GUARANTEED RATE, INC. 22 4.70% $15,033
    Wells Fargo Bank 20 3.49% $9,890
    AMERISAVE MORTGAGE CORPORATION 14 3.28% $12,123
    CARDINAL FINANCIAL 14 4.66% $15,799
    JPMorgan Chase Bank 12 4.16% $17,567
    HOME POINT FINANCIAL CORPORATION 11 3.72% $9,736
    U.S. Bank 11 4.11% $10,241
    Flagstar Bank, FSB 9 4.36% $9,560
    First Republic Bank 9 3.13% $9,288
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 3.96% $6,676
    Central Pacific Bank 8 3.61% $11,975
    Citibank 8 3.33% $11,045
    CMG MORTGAGE, INC. 7 4.55% $19,222
    UBS Bank USA 7 3.11% $10,998
    CALIBER HOME LOANS, INC. 7 3.72% $12,306
    NBKC BANK 7 3.86% $5,854
    Mr. Cooper ( Nationstar Mortgage ) 7 3.93% $12,209
    KeyBank 6 4.00% $10,557
    PENNYMAC LOAN SERVICES, LLC 6 3.33% $7,612
    FINANCE OF AMERICA MORTGAGE LLC 5 4.10% $7,743
    CASTLE & COOKE MORTGAGE, LLC 5 4.10% $13,275
    Bank of America 5 2.83% $6,906
    HAWAIIUSA FEDERAL CREDIT UNION 5 4.73% $19,181
    PACIFIC HOME LOANS, INC. 4 4.78% $13,913
    NEWREZ LLC 4 4.26% $9,608
    Morgan Stanley Private Bank 4 3.51% $6,091
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 4.22% $8,824
    NEXERA HOLDING LLC 4 4.44% $16,375
    Charles Schwab Bank, SSB 4 2.98% $8,838
    ALOHA PACIFIC 4 3.16% $8,006
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 4.92% $18,257
    CROSSCOUNTRY MORTGAGE, LLC 3 3.12% $8,345
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 4.29% $13,795
    FREEDOM MORTGAGE CORPORATION 3 4.17% $21,429
    FUNDLOANS CAPITAL 3 5.08% $20,466
    HAWAIIAN FINANCIAL 3 2.67% $26,476
    NAVY FEDERAL CREDIT UNION 3 2.88% $3,901
    North American Savings Bank, F.S.B. 3 3.42% $4,594
    Northpointe Bank 3 6.29% $12,753
    SUMMIT FUNDING, INC. 3 5.25% $4,191
    Paramount Residential Mortgage Group, Inc. 2 6.56% $20,557
    Territorial Savings Bank 2 3.75% $20,043
    RBC Bank, (Georgia) 2 4.19% $7,551
    The Federal Savings Bank 2 4.13% $15,157
    EVERETT FINANCIAL, INC. 2 3.81% $3,524
    Nations Lending Corporation 2 4.56% $32,783
    Umpqua Bank 2 3.44% $19,457
    MOVEMENT MORTGAGE, LLC 2 3.56% $20,035
    Goldman Sachs Bank USA 2 3.25% $13,484
    KINECTA 2 4.19% $24,932
    City National Bank 2 3.56% $7,352
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.94% $9,080
    Wilmington Savings Fund Society, FSB 1 4.88% $14,968
    First Merchants Bank 1 2.38% $7,016
    Pacific Lending LLC 1 3.12% $4,560
    Plains Commerce Bank 1 5.88% $7,462
    PLAZA HOME MORTGAGE, INC. 1 6.63% $7,439
    Discover Bank 1 4.99% $0
    Carrington Mortgage Services, LLC 1 5.00% $22,655
    JMJ FINANCIAL GROUP 1 4.38% $11,071
    CALCON MUTUAL MORTGAGE LLC 1 4.88% $37,047
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $5,953
    Silicon Valley Bank 1 2.50% $9,818
    STEARNS LENDING, LLC 1 3.63% $5,117
    Strong Home Mortgage, LLC 1 3.88% $3,258
    Zions Bancorporation, N.A. 1 2.50% $9,934
    The Central Trust Bank 1 3.63% $3,325
    The Northern Trust Company 1 3.00% $24,529
    Cache Valley Bank 1 5.38% $5,585
    BAY EQUITY LLC 1 3.38% $7,618
    KELLER MORTGAGE, LLC 1 5.25% $9,697
    LENDSURE MORTGAGE CORP. 1 8.88% $26,920
    LENOX FINANCIAL MORTGAGE CORPORATION 1 3.50% $42,823
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 4.88% $14,853
    MID AMERICA MORTGAGE, INC. 1 3.50% $3,338
    MLD MORTGAGE INC. 1 3.25% $4,226
    HSBC BANK USA, NATIONAL ASSOCIATION 1 4.29% $10,589
    GUILD MORTGAGE COMPANY 1 3.38% $5,814
    M&T Bank 1 2.88% $14,855
    MUFG Union Bank 1 4.88% $13,691
    MUTUAL OF OMAHA MORTGAGE, INC. 1 2.75% $22,612
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.13% $9,395
    Gold Coast Bank 1 3.88% $5,544
    First Western Trust Bank 1 4.88% $13,745
    AMERICAN FINANCING CORPORATION 1 3.13% $17,211

    Kapaa Average Closing Costs & Other Stats

    Kapaa, HI's 93 lenders originated 1,631 loans during 2022. The total origination value was $1,012,005,000, with an average loan value of $620,481.

    Kapaa's average closing costs are $8,809.

    The top Kapaa lender as defined by loan originations is First Hawaiian Bank, with 83 loans originated. Their average total fees are $11,509, which is $2,228 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Kapaa lenders (with over 10 loans originated) are American Savings Bank, FSB ($9,032), HOME POINT FINANCIAL CORPORATION ($9,736), Wells Fargo Bank ($9,890), U.S. Bank ($10,241) and LOANDEPOT.COM, LLC ($10,855).

    The lowest rate Kapaa lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (3.28%), LOANDEPOT.COM, LLC (3.39%), Wells Fargo Bank (3.49%), HOME POINT FINANCIAL CORPORATION (3.72%) and Bank of Hawaii (4.10%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Bank of Hawaii $140,630,000 $111,775,000 -20.5% 11.0%
    First Hawaiian Bank $124,920,000 $85,800,000 -31.3% 8.5%
    UNITED WHOLESALE MORTGAGE, LLC $138,880,000 $68,060,000 -51.0% 6.7%
    American Savings Bank, FSB $65,255,000 $48,475,000 -25.7% 4.8%
    QUICKEN LOANS, LLC $97,390,000 $44,425,000 -54.4% 4.4%
    First Republic Bank $37,945,000 $37,725,000 -0.6% 3.7%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $79,320,000 $31,985,000 -59.7% 3.2%
    SECURITYNATIONAL MORTGAGE COMPANY $65,215,000 $27,175,000 -58.3% 2.7%
    JPMorgan Chase Bank $80,880,000 $27,140,000 -66.4% 2.7%
    GUARANTEED RATE, INC. $47,775,000 $27,060,000 -43.4% 2.7%
    UBS Bank USA $12,960,000 $27,035,000 108.6% 2.7%
    LOANDEPOT.COM, LLC $68,000,000 $26,300,000 -61.3% 2.6%
    Central Pacific Bank $35,135,000 $23,775,000 -32.3% 2.3%
    HAWAIIUSA FEDERAL CREDIT UNION $4,645,000 $22,945,000 394.0% 2.3%
    Wells Fargo Bank $76,680,000 $22,290,000 -70.9% 2.2%
    Citibank $11,630,000 $21,535,000 85.2% 2.1%
    U.S. Bank $22,210,000 $17,880,000 -19.5% 1.8%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $37,850,000 $13,140,000 -65.3% 1.3%
    Bank of America $29,390,000 $11,005,000 -62.6% 1.1%
    KeyBank $2,665,000 $10,035,000 276.5% 1.0%
    Morgan Stanley Private Bank $18,880,000 $9,500,000 -49.7% 0.9%
    AMERICAN PACIFIC MORTGAGE CORPORATION $46,610,000 $9,105,000 -80.5% 0.9%
    HAWAIIAN FINANCIAL $1,780,000 $9,025,000 407.0% 0.9%
    PENNYMAC LOAN SERVICES, LLC $15,795,000 $9,010,000 -43.0% 0.9%
    HOME POINT FINANCIAL CORPORATION $29,145,000 $8,995,000 -69.1% 0.9%
    Charles Schwab Bank, SSB $6,965,000 $8,475,000 21.7% 0.8%
    AMERISAVE MORTGAGE CORPORATION $23,205,000 $8,385,000 -63.9% 0.8%
    Goldman Sachs Bank USA $16,610,000 $7,530,000 -54.7% 0.7%
    TEMPLE VIEW CAPITAL FUNDING, LP $3,985,000 $7,405,000 85.8% 0.7%
    Flagstar Bank, FSB $7,640,000 $7,080,000 -7.3% 0.7%
    FREEDOM MORTGAGE CORPORATION $36,260,000 $7,055,000 -80.5% 0.7%
    CMG MORTGAGE, INC. $7,095,000 $6,905,000 -2.7% 0.7%
    Commerce Home Mortgage, Inc. $2,970,000 $6,850,000 130.6% 0.7%
    VELOCITY COMMERCIAL CAPITAL, LLC $715,000 $6,650,000 830.1% 0.7%
    NBKC BANK $12,055,000 $6,555,000 -45.6% 0.6%
    Finance Factors, Limited $6,910,000 $6,380,000 -7.7% 0.6%
    KINECTA $6,190,000 n/a 0.6%
    CALIBER HOME LOANS, INC. $7,110,000 $5,965,000 -16.1% 0.6%
    CIVIC FINANCIAL SERVICES, LLC $4,095,000 $5,350,000 30.6% 0.5%
    FINANCE OF AMERICA REVERSE LLC $3,075,000 $4,665,000 51.7% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $15,600,000 $4,620,000 -70.4% 0.5%
    RBC Bank, (Georgia) $2,180,000 $4,535,000 108.0% 0.4%
    FINANCE OF AMERICA MORTGAGE LLC $6,315,000 $4,415,000 -30.1% 0.4%
    BM Real Estate Services, Inc. $4,230,000 n/a 0.4%
    CASTLE & COOKE MORTGAGE, LLC $29,800,000 $4,225,000 -85.8% 0.4%
    Mortgage Research Center, LLC $5,305,000 $4,110,000 -22.5% 0.4%
    Hometown Equity Mortgage, LLC $3,830,000 n/a 0.4%
    FUNDLOANS CAPITAL $5,615,000 $3,695,000 -34.2% 0.4%
    Northpointe Bank $3,640,000 n/a 0.4%
    HSBC BANK USA, NATIONAL ASSOCIATION $3,625,000 n/a 0.4%
    ALOHA PACIFIC $4,050,000 $3,550,000 -12.3% 0.4%
    LENDSURE MORTGAGE CORP. $3,420,000 n/a 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,515,000 $3,220,000 -28.7% 0.3%
    Silicon Valley Bank $4,355,000 $3,005,000 -31.0% 0.3%
    PACIFIC HOME LOANS, INC. $8,340,000 $2,930,000 -64.9% 0.3%
    OCMBC, INC. $2,700,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,925,000 $2,625,000 36.4% 0.3%
    The Federal Savings Bank $10,145,000 $2,620,000 -74.2% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,630,000 $2,615,000 60.4% 0.3%
    Zions Bancorporation, N.A. $2,570,000 n/a 0.3%
    NEXERA HOLDING LLC $2,520,000 n/a 0.2%
    Bank of Utah $2,455,000 n/a 0.2%
    City National Bank $6,990,000 $2,435,000 -65.2% 0.2%
    Northstar Bank $2,405,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $1,140,000 $2,325,000 103.9% 0.2%
    PLAZA HOME MORTGAGE, INC. $4,990,000 $2,275,000 -54.4% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $5,600,000 $2,240,000 -60.0% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,190,000 n/a 0.2%
    Bank of Colorado $2,185,000 n/a 0.2%
    Nations Lending Corporation $2,250,000 $2,025,000 -10.0% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $10,180,000 $2,015,000 -80.2% 0.2%
    Wilmington Savings Fund Society, FSB $2,010,000 n/a 0.2%
    EVERETT FINANCIAL, INC. $2,005,000 n/a 0.2%
    LENOX FINANCIAL MORTGAGE CORPORATION $2,005,000 n/a 0.2%
    Citadel Servicing Corporation $155,000 $1,940,000 1,151.6% 0.2%
    ACADEMY MORTGAGE CORPORATION $2,290,000 $1,935,000 -15.5% 0.2%
    HomeStreet Bank $690,000 $1,890,000 173.9% 0.2%
    Magnolia Bank $2,420,000 $1,865,000 -22.9% 0.2%
    North American Savings Bank, F.S.B. $6,225,000 $1,845,000 -70.4% 0.2%
    First Western Trust Bank $1,435,000 $1,825,000 27.2% 0.2%
    HAWAII STATE FEDERAL CREDIT UNION $1,250,000 $1,825,000 46.0% 0.2%
    MUFG Union Bank $1,755,000 n/a 0.2%
    The Northern Trust Company $3,675,000 $1,755,000 -52.2% 0.2%
    NEWREZ LLC $2,645,000 $1,705,000 -35.5% 0.2%
    Carrington Mortgage Services, LLC $1,285,000 $1,625,000 26.5% 0.2%
    MID AMERICA MORTGAGE, INC. $1,575,000 $1,585,000 0.6% 0.2%
    NAVY FEDERAL CREDIT UNION $6,005,000 $1,450,000 -75.9% 0.1%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $1,445,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $11,120,000 $1,405,000 -87.4% 0.1%
    PNC Bank $6,155,000 $1,385,000 -77.5% 0.1%
    SUMMIT FUNDING, INC. $9,460,000 $1,365,000 -85.6% 0.1%
    Umpqua Bank $5,645,000 $1,300,000 -77.0% 0.1%
    MOVEMENT MORTGAGE, LLC $1,270,000 n/a 0.1%
    Stifel Bank and Trust $1,760,000 $1,170,000 -33.5% 0.1%
    Strong Home Mortgage, LLC $755,000 $1,140,000 51.0% 0.1%
    Plains Commerce Bank $775,000 $1,135,000 46.5% 0.1%
    Territorial Savings Bank $1,580,000 $1,110,000 -29.7% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $3,345,000 $1,090,000 -67.4% 0.1%
    Morton Community Bank $1,055,000 n/a 0.1%
    UMB Bank $1,005,000 n/a 0.1%
    Gold Coast Bank $1,165,000 $975,000 -16.3% 0.1%
    Sierra Pacific Mortgage Company, Inc. $965,000 n/a 0.1%
    First Merchants Bank $955,000 n/a 0.1%
    M&T Bank $950,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $830,000 $895,000 7.8% 0.1%
    HOMEXPRESS MORTGAGE CORP. $6,995,000 $880,000 -87.4% 0.1%
    First Internet Bank of Indiana $845,000 n/a 0.1%
    HighTechLending Inc $920,000 $820,000 -10.9% 0.1%
    The Central Trust Bank $990,000 $815,000 -17.7% 0.1%
    Cache Valley Bank $775,000 n/a 0.1%
    IMPAC MORTGAGE CORP. $990,000 $735,000 -25.8% 0.1%
    KELLER MORTGAGE, LLC $5,330,000 $705,000 -86.8% 0.1%
    STEARNS LENDING, LLC $2,775,000 $685,000 -75.3% 0.1%
    AMERICAN FINANCING CORPORATION $1,185,000 $665,000 -43.9% 0.1%
    AMERICAN ADVISORS GROUP $1,190,000 $655,000 -45.0% 0.1%
    CLEARPATH LENDING $1,115,000 $605,000 -45.7% 0.1%
    CENTRAL MINNESOTA Credit Union $595,000 n/a 0.1%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,390,000 $465,000 -66.5% 0.0%
    Discover Bank $190,000 $445,000 134.2% 0.0%
    Watermark Capital, Inc. $1,650,000 $425,000 -74.2% 0.0%
    BAY EQUITY LLC $395,000 n/a 0.0%
    QUORUM FEDERAL CREDIT UNION $390,000 n/a 0.0%
    JMJ FINANCIAL GROUP $325,000 n/a 0.0%
    Axos Bank $3,960,000 $305,000 -92.3% 0.0%
    MLD MORTGAGE INC. $2,630,000 $285,000 -89.2% 0.0%
    ATHAS CAPITAL GROUP, INC. $265,000 n/a 0.0%
    ALLIANT CREDIT UNION $255,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $1,940,000 $205,000 -89.4% 0.0%
    Pacific Lending LLC $185,000 n/a 0.0%
    Chicago Mortgage Solutions LLC $135,000 n/a 0.0%
    Marriott Employees' Federal Credit Union $65,000 n/a 0.0%
    USAA Federal Savings Bank $535,000 $55,000 -89.7% 0.0%

    Kapaa's top lender by overall market share is Bank of Hawaii, with 11.0% market share. In second place, with 8.5%, is First Hawaiian Bank, having originated $85,800,000 in loans. In third place, with 6.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $68,060,000 in loans. In fourth place, with 4.8%, is American Savings Bank, FSB, having originated $48,475,000 in loans. In fifth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $44,425,000 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 $859,000 (-11.3%) $1,910,041 (-6.8%) 0.00 486
    2019-04-01 $900,745 (-8.7%) $1,940,967 (-8.1%) 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 $995,000 (4.3%) $1,992,218 (-4.3%) 0.00 455
    2019-09-01 $1,090,000 (15.5%) $2,092,132 (3.2%) 0.00 427
    2019-10-01 $1,090,000 (21.9%) $2,116,558 (5.9%) 0.00 432
    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 (24.6%) $2,235,520 (17.0%) 0.00 446
    2020-04-01 $978,000 (8.6%) $2,158,232 (11.2%) 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 (-7.0%) $1,870,539 (-6.1%) 0.00 447
    2020-09-01 $886,500 (-18.7%) $1,786,661 (-14.6%) 0.00 465
    2020-10-01 $875,000 (-19.7%) $1,840,912 (-13.0%) 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%) $2,049,055 (-5.1%) 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 $1,487,500 (69.0%) $2,310,469 (26.1%) 0.00 237
    2021-08-01 $1,649,000 (78.3%) $2,492,615 (33.3%) 0.00 215
    2021-09-01 $1,598,500 (80.3%) $2,504,326 (40.2%) 0.00 213
    2021-10-01 $1,462,250 (67.1%) $2,414,080 (31.1%) 0.00 204
    2021-11-01 $1,551,250 (69.8%) $2,769,918 (38.0%) 0.00 176
    2021-12-01 $1,498,250 (59.5%) $2,904,004 (43.9%) 0.00 179
    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 (49.8%) 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 (14.0%) $2,771,383 (20.0%) 0.00 167
    2022-08-01 $1,616,250 (-2.0%) $2,626,382 (5.4%) 0.00 185
    2022-09-01 $1,584,750 (-0.9%) $2,459,578 (-1.8%) 0.00 191
    2022-10-01 $1,495,000 (2.2%) $2,398,252 (-0.7%) 0.00 203
    2022-11-01 $1,515,000 (-2.3%) $2,544,280 (-8.2%) 0.00 206
    2022-12-01 $1,545,000 (3.1%) $2,687,551 (-7.5%) 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
    Kapaa's median listing price for 2023-04-01 was $1,875,000, a difference of $226,000 (13.7%) versus the prior year and $238,750 versus the prior month.

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

    Kapaa's average listing price for 2023-04-01 was $3,152,824, a difference of $84,359 (2.8%) versus the prior year and $262,723 versus the prior month.

    For the 2023-04-01 period, Kapaa had 183 MLS listings, a difference of -11 listings (-6%) versus the prior month and 56 listings (44%) 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 1,489 sqft
    2019-04-01 0 days 1,510 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 1,710 sqft
    2019-09-01 0 days 1,705 sqft
    2019-10-01 0 days 1,693 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 1,855 sqft
    2021-08-01 0 days 1,926 sqft
    2021-09-01 0 days 1,832 sqft
    2021-10-01 0 days 1,465 sqft
    2021-11-01 0 days 1,673 sqft
    2021-12-01 0 days 1,683 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
    Kapaa's median listing age (time on market) for 2023-04-01 was 0 days.

    Kapaa's median square footage for active listings during the 2023-04-01 period was 1,761 sqft. One year prior, the average listing was 1,634 sqft.

    Kapaa, HI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 571 $482,905,000 $845,718
    Refi 358 $168,890,000 $471,760
    Cash Out Refi 321 $180,025,000 $560,826
    Other 200 $143,310,000 $716,550
    Home Improvement 181 $36,875,000 $203,729

    Kapaa's most frequently cited loan purpose was Home Purchase, with 571 originations. The 2nd most popular reason was Refi, with 358 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 512 $305,300,000 $596,289
    <2.5% 270 $107,120,000 $396,741
    4-5% 269 $189,915,000 $706,004
    2.5-3% 242 $161,450,000 $667,149
    5-6% 185 $117,295,000 $634,027
    6-7% 74 $81,990,000 $1,107,973
    7-8% 45 $26,415,000 $587,000
    Over 8% 24 $13,450,000 $560,417

    During 2022, Kapaa's most frequently originated rate bucket was 3-4%, with 512 originations.

    Loan Sizing (Kapaa, HI MSA)

    Loan Size Originations Total Value Average Loan
    $400k-600k 409 $197,945,000 $483,973
    $600k-1000k 370 $283,600,000 $766,486
    $200k-400k 366 $108,280,000 $295,847
    $100k-200k 192 $27,950,000 $145,573
    $Over $1MM 188 $387,340,000 $2,060,319
    $100,000 or less 106 $6,890,000 $65,000

    Kapaa's loan sizing saw the bucket of loans from $400k-600k with 409 originations, totaling $197,945,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 471 $385,225,000 $817,887
    40-60% 352 $236,290,000 $671,278
    20-40% 299 $121,545,000 $406,505
    Under 20% 256 $39,970,000 $156,133
    80-100% 231 $191,745,000 $830,065
    Over 100% 6 $24,260,000 $4,043,333

    Kapaa's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 471 originations, totaling $385,225,000 in origination value.