Kapaa Mortgage Rates

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

30 Year Fixed Rate mortgages in Kapaa averaged 6% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.81% and one month ago for the week of 2022-05-26, the average rate was 5.5%.

Kapaa's average rate one year ago was 3.03%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.78%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Kapaa 30 Year Fixed Rate 2022-06-30 6%
Kapaa 30 Year Fixed Rate Refi 2022-06-30 5.78%
Kapaa 15 Year Fixed Rate 2022-06-30 5.18%
Kapaa 15 Year Fixed Rate Refi 2022-06-30 5.11%
Kapaa 30 Year FHA 2022-06-30 5.39%
Kapaa 30 Year FHA Refi 2022-06-30 5.6%
Kapaa 30 Year USDA 2022-06-30 5.15%
Kapaa 30 Year USDA Refi 2022-06-30 3.07%
Kapaa 30 Year VA 2022-06-30 5.71%
Kapaa 30 Year VA Refi 2022-06-30 5.38%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
UNITED WHOLESALE MORTGAGE, LLC 188 2.86% $8,245
First Hawaiian Bank 157 3.36% $9,892
QUICKEN LOANS, LLC 157 3.02% $7,035
SECURITYNATIONAL MORTGAGE COMPANY 98 3.34% $11,878
Bank of Hawaii 94 3.03% $11,085
LOANDEPOT.COM, LLC 93 2.77% $7,444
HOMEBRIDGE FINANCIAL SERVICES, INC. 87 3.17% $7,943
American Savings Bank, FSB 72 3.17% $6,932
Wells Fargo Bank 70 2.93% $5,679
GUARANTEED RATE, INC. 54 3.10% $10,181
HOME POINT FINANCIAL CORPORATION 49 2.95% $4,797
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 49 3.27% $8,278
AMERICAN PACIFIC MORTGAGE CORPORATION 47 3.09% $6,156
AMERISAVE MORTGAGE CORPORATION 35 2.76% $6,717
JPMorgan Chase Bank 25 2.76% $8,634
Central Pacific Bank 21 3.09% $7,752
Mr. Cooper ( Nationstar Mortgage ) 20 3.06% $6,220
SUMMIT FUNDING, INC. 18 3.06% $7,369
NBKC BANK 18 2.83% $3,912
U.S. Bank 17 2.82% $8,737
Flagstar Bank, FSB 15 2.98% $3,915
Morgan Stanley Private Bank 14 2.61% $6,677
Bank of America 14 2.58% $6,079
PENNYMAC LOAN SERVICES, LLC 14 2.91% $5,874
PACIFIC HOME LOANS, INC. 14 2.97% $5,274
GUILD MORTGAGE COMPANY 12 3.15% $9,809
CROSSCOUNTRY MORTGAGE, LLC 12 2.88% $7,506
FREEDOM MORTGAGE CORPORATION 12 3.02% $6,303
KELLER MORTGAGE, LLC 11 3.03% $5,271
CALIBER HOME LOANS, INC. 11 2.95% $3,674
First Republic Bank 10 2.93% $11,253
Home Mortgage Alliance Corp 10 3.16% $5,848
FINANCE OF AMERICA MORTGAGE LLC 10 2.91% $8,888
ALOHA PACIFIC 9 2.74% $5,837
UBS Bank USA 8 2.81% $9,937
PREMIER MORTGAGE RESOURCES, L.L.C. 8 3.38% $9,899
PLAZA HOME MORTGAGE, INC. 8 2.94% $6,930
Citibank 7 2.84% $11,412
NAVY FEDERAL CREDIT UNION 7 2.61% $5,915
PNC Bank 6 2.96% $7,574
North American Savings Bank, F.S.B. 6 2.75% $3,942
Ameris Bank 6 2.83% $6,295
NEWREZ LLC 5 2.98% $4,185
The Federal Savings Bank 5 2.90% $11,715
CMG MORTGAGE, INC. 4 3.15% $15,071
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 2.93% $5,347
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 2.97% $4,580
STEARNS LENDING, LLC 4 2.94% $4,310
Nations Lending Corporation 4 3.50% $16,760
Stifel Bank and Trust 4 2.72% $4,147
Territorial Savings Bank 4 2.78% $10,151
City National Bank 4 2.65% $7,666
ACADEMY MORTGAGE CORPORATION 3 3.50% $5,813
Axos Bank 3 2.75% $3,403
Charles Schwab Bank, SSB 3 2.34% $8,769
First Western Trust Bank 3 2.91% $4,506
HAWAIIAN FINANCIAL 3 2.96% $3,301
KeyBank 3 2.54% $7,087
LENDUS, LLC 3 3.33% $8,065
MLD MORTGAGE INC. 3 3.33% $4,996
SUN WEST MORTGAGE COMPANY, INC. 3 2.92% $10,575
Franklin Loan Corporation 2 3.44% $6,567
Goldman Sachs Bank USA 2 2.78% $27,514
V.I.P. MORTGAGE, INC. 2 3.12% $5,812
Watermark Capital, Inc. 2 3.00% $5,038
Magnolia Bank 2 3.12% $6,358
MANN FINANCIAL INC. 2 3.25% $3,460
INTERNATIONAL CITY MORTGAGE, INC. 2 3.19% $6,152
CHEVRON 2 2.63% $6,155
CELEBRITY HOME LOANS, LLC 2 2.87% $4,933
PENTAGON FEDERAL CREDIT UNION 2 2.88% $4,684
Carrington Mortgage Services, LLC 2 4.12% $13,563
CALCON MUTUAL MORTGAGE LLC 2 2.88% $5,677
BNY Mellon 2 2.63% $7,800
RBC Bank, (Georgia) 2 3.25% $5,848
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.25% $5,576
Arvest Bank 2 2.94% $4,040
AMERICAN INTERNET MORTGAGE, INC. 2 2.81% $4,159
AMERICAN FINANCIAL NETWORK, INC. 2 2.94% $7,735
Umpqua Bank 2 2.63% $9,363
HAWAIIUSA FEDERAL CREDIT UNION 2 3.19% $18,000
HAWAII STATE FEDERAL CREDIT UNION 2 2.88% $13,545
IMPAC MORTGAGE CORP. 2 2.69% $0
Northwest Farm Credit Services, FLCA 1 3.70% $12,408
Alliance Bank 1 2.50% $11,098
Paramount Residential Mortgage Group, Inc. 1 3.00% $5,615
Sunflower Bank 1 2.88% $6,792
Willamette Valley Bank 1 3.13% $3,380
Plains Commerce Bank 1 3.63% $13,680
AMERICAN FINANCING CORPORATION 1 2.88% $8,058
The Central Trust Bank 1 2.75% $2,379
AIR ACADEMY 1 2.75% $11,024
Barrington Bank & Trust Company, N.A. 1 2.75% $6,742
Bank of England 1 2.88% $17,511
Quontic Bank 1 5.88% $27,922
Raymond James Bank 1 2.50% $5,732
The Northern Trust Company 1 3.13% $13,764
American Bank of the North 1 2.75% $9,242
Glacier Bank 1 2.75% $5,746
Bank First, N.A. 1 3.50% $2,154
LAND HOME FINANCIAL SERVICES, INC. 1 3.13% $7,547
Silicon Valley Bank 1 2.50% $7,123
GENEVA FINANCIAL, LLC 1 2.89% $30,983
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $9,962
INLAND BANK & TRUST 1 3.13% $5,236
MID AMERICA MORTGAGE, INC. 1 2.88% $3,660
MidFirst Bank 1 3.85% $14,695
ADVANCIAL 1 5.38% $5,956
FUNDLOANS CAPITAL 1 3.50% $27,365
Mortgage Research Center, LLC 1 2.75% $5,421
American Mortgage and Insurance Inc. 1 2.25% $5,918
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.63% $4,686
First United Bank and Trust Company 1 3.13% $5,027
First Savings Bank 1 3.25% $4,424
NBH Bank 1 2.75% $7,092
FirstBank 1 2.88% $2,744
Farmers State Bank 1 3.88% $11,161
COMPASS HOME LOANS, LLC 1 3.99% $6,761

Kapaa, HI's 118 lenders originated 3,099 loans during 2021. The total origination value was $1,739,305,000, with an average loan value of $561,247.

The top Kapaa lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 188 loans originated. Their average total fees are $8,245, which is $1,647 lower than the next largest lender, First Hawaiian Bank.

The lowest fee Kapaa lenders (with over 10 loans originated) are CALIBER HOME LOANS, INC. ($3,674), NBKC BANK ($3,912), Flagstar Bank, FSB ($3,915), HOME POINT FINANCIAL CORPORATION ($4,797) and KELLER MORTGAGE, LLC ($5,271).

The lowest rate Kapaa lenders (with over 10 loans originated) are Bank of America (2.58%), Morgan Stanley Private Bank (2.61%), AMERISAVE MORTGAGE CORPORATION (2.76%), JPMorgan Chase Bank (2.76%) and LOANDEPOT.COM, LLC (2.77%).

Kapaa, HI Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Bank of Hawaii $110,515,000 $140,630,000 27.2% 8.1%
UNITED WHOLESALE MORTGAGE, LLC $73,270,000 $138,880,000 89.5% 8.0%
First Hawaiian Bank $112,280,000 $124,920,000 11.3% 7.2%
QUICKEN LOANS, LLC $115,205,000 $97,390,000 -15.5% 5.6%
JPMorgan Chase Bank $46,940,000 $80,880,000 72.3% 4.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. $82,120,000 $79,320,000 -3.4% 4.6%
Wells Fargo Bank $42,515,000 $76,680,000 80.4% 4.4%
LOANDEPOT.COM, LLC $45,915,000 $68,000,000 48.1% 3.9%
American Savings Bank, FSB $64,980,000 $65,255,000 0.4% 3.8%
SECURITYNATIONAL MORTGAGE COMPANY $56,300,000 $65,215,000 15.8% 3.7%
GUARANTEED RATE, INC. $19,550,000 $47,775,000 144.4% 2.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $26,810,000 $46,610,000 73.9% 2.7%
First Republic Bank $4,015,000 $37,945,000 845.1% 2.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,690,000 $37,850,000 2,139.6% 2.2%
FREEDOM MORTGAGE CORPORATION $24,870,000 $36,260,000 45.8% 2.1%
Central Pacific Bank $29,715,000 $35,135,000 18.2% 2.0%
CASTLE & COOKE MORTGAGE, LLC $62,590,000 $29,800,000 -52.4% 1.7%
Bank of America $11,895,000 $29,390,000 147.1% 1.7%
HOME POINT FINANCIAL CORPORATION $13,065,000 $29,145,000 123.1% 1.7%
AMERISAVE MORTGAGE CORPORATION $11,360,000 $23,205,000 104.3% 1.3%
U.S. Bank $35,785,000 $22,210,000 -37.9% 1.3%
Morgan Stanley Private Bank $6,570,000 $18,880,000 187.4% 1.1%
Goldman Sachs Bank USA $755,000 $16,610,000 2,100.0% 1.0%
PENNYMAC LOAN SERVICES, LLC $8,310,000 $15,795,000 90.1% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $7,725,000 $15,600,000 101.9% 0.9%
UBS Bank USA $8,270,000 $12,960,000 56.7% 0.7%
NBKC BANK $22,175,000 $12,055,000 -45.6% 0.7%
Citibank $16,085,000 $11,630,000 -27.7% 0.7%
GUILD MORTGAGE COMPANY $14,780,000 $11,120,000 -24.8% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $4,725,000 $10,180,000 115.4% 0.6%
The Federal Savings Bank $9,570,000 $10,145,000 6.0% 0.6%
SUMMIT FUNDING, INC. $7,230,000 $9,460,000 30.8% 0.5%
PACIFIC HOME LOANS, INC. $5,215,000 $8,340,000 59.9% 0.5%
Flagstar Bank, FSB $12,710,000 $7,640,000 -39.9% 0.4%
CALIBER HOME LOANS, INC. $18,300,000 $7,110,000 -61.1% 0.4%
CMG MORTGAGE, INC. $4,480,000 $7,095,000 58.4% 0.4%
HOMEXPRESS MORTGAGE CORP. $6,995,000 n/a 0.4%
City National Bank $25,625,000 $6,990,000 -72.7% 0.4%
Charles Schwab Bank, SSB $3,370,000 $6,965,000 106.7% 0.4%
Finance Factors, Limited $4,575,000 $6,910,000 51.0% 0.4%
FirstBank $1,815,000 $6,575,000 262.3% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $2,760,000 $6,315,000 128.8% 0.4%
North American Savings Bank, F.S.B. $5,560,000 $6,225,000 12.0% 0.4%
PNC Bank $1,135,000 $6,155,000 442.3% 0.4%
NAVY FEDERAL CREDIT UNION $3,460,000 $6,005,000 73.6% 0.3%
Umpqua Bank $5,645,000 n/a 0.3%
FUNDLOANS CAPITAL $5,615,000 n/a 0.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $3,505,000 $5,600,000 59.8% 0.3%
BNY Mellon $615,000 $5,510,000 795.9% 0.3%
KELLER MORTGAGE, LLC $5,555,000 $5,330,000 -4.1% 0.3%
Mortgage Research Center, LLC $5,530,000 $5,305,000 -4.1% 0.3%
PLAZA HOME MORTGAGE, INC. $2,475,000 $4,990,000 101.6% 0.3%
HAWAIIUSA FEDERAL CREDIT UNION $2,000,000 $4,645,000 132.3% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,370,000 $4,515,000 3.3% 0.3%
Silicon Valley Bank $625,000 $4,355,000 596.8% 0.3%
CIVIC FINANCIAL SERVICES, LLC $295,000 $4,095,000 1,288.1% 0.2%
ALOHA PACIFIC $970,000 $4,050,000 317.5% 0.2%
TEMPLE VIEW CAPITAL FUNDING, LP $515,000 $3,985,000 673.8% 0.2%
Axos Bank $2,360,000 $3,960,000 67.8% 0.2%
The Northern Trust Company $605,000 $3,675,000 507.4% 0.2%
Home Mortgage Alliance Corp $3,615,000 n/a 0.2%
SUN WEST MORTGAGE COMPANY, INC. $445,000 $3,345,000 651.7% 0.2%
Ameris Bank $4,375,000 $3,225,000 -26.3% 0.2%
FINANCE OF AMERICA REVERSE LLC $1,335,000 $3,075,000 130.3% 0.2%
Commerce Home Mortgage, Inc. $2,970,000 n/a 0.2%
STEARNS LENDING, LLC $1,315,000 $2,775,000 111.0% 0.2%
Bank First, N.A. $2,735,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $950,000 $2,685,000 182.6% 0.2%
Greenbox Loans, Inc. $2,665,000 n/a 0.2%
KeyBank $1,795,000 $2,665,000 48.5% 0.2%
NEWREZ LLC $2,645,000 n/a 0.2%
MLD MORTGAGE INC. $6,935,000 $2,630,000 -62.1% 0.2%
Magnolia Bank $715,000 $2,420,000 238.5% 0.1%
Barrington Bank & Trust Company, N.A. $680,000 $2,335,000 243.4% 0.1%
ACADEMY MORTGAGE CORPORATION $2,290,000 n/a 0.1%
Nations Lending Corporation $3,465,000 $2,250,000 -35.1% 0.1%
RBC Bank, (Georgia) $2,180,000 n/a 0.1%
Vista Bank $2,155,000 n/a 0.1%
Raymond James Bank $2,005,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $1,600,000 $1,955,000 22.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,940,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $7,920,000 $1,925,000 -75.7% 0.1%
HAWAIIAN FINANCIAL $2,055,000 $1,780,000 -13.4% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $2,145,000 $1,760,000 -17.9% 0.1%
Stifel Bank and Trust $1,660,000 $1,760,000 6.0% 0.1%
Watermark Capital, Inc. $1,650,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,630,000 n/a 0.1%
Territorial Savings Bank $775,000 $1,580,000 103.9% 0.1%
MID AMERICA MORTGAGE, INC. $10,200,000 $1,575,000 -84.6% 0.1%
Glacier Bank $1,530,000 n/a 0.1%
MANN FINANCIAL INC. $1,000,000 $1,505,000 50.5% 0.1%
First Western Trust Bank $1,435,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $1,070,000 $1,415,000 32.2% 0.1%
OPEN MORTGAGE, LLC $1,470,000 $1,405,000 -4.4% 0.1%
COMPASS HOME LOANS, LLC $770,000 $1,400,000 81.8% 0.1%
CHEVRON $1,390,000 n/a 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,390,000 n/a 0.1%
Franklin Loan Corporation $1,350,000 n/a 0.1%
Farmers State Bank $1,295,000 n/a 0.1%
Carrington Mortgage Services, LLC $1,860,000 $1,285,000 -30.9% 0.1%
HAWAII STATE FEDERAL CREDIT UNION $1,320,000 $1,250,000 -5.3% 0.1%
LENDUS, LLC $1,190,000 $1,225,000 2.9% 0.1%
AMERICAN ADVISORS GROUP $3,330,000 $1,190,000 -64.3% 0.1%
AMERICAN FINANCING CORPORATION $1,755,000 $1,185,000 -32.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $5,405,000 $1,175,000 -78.3% 0.1%
Gold Coast Bank $1,165,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $1,870,000 $1,140,000 -39.0% 0.1%
DOMINION FINANCIAL SERVICES, LLC $1,125,000 n/a 0.1%
CLEARPATH LENDING $4,130,000 $1,115,000 -73.0% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $205,000 $1,070,000 422.0% 0.1%
Arvest Bank $435,000 $1,040,000 139.1% 0.1%
GENEVA FINANCIAL, LLC $1,020,000 n/a 0.1%
IMPAC MORTGAGE CORP. $990,000 n/a 0.1%
The Central Trust Bank $990,000 n/a 0.1%
Low VA Rates, LLC $510,000 $960,000 88.2% 0.1%
HighTechLending Inc $235,000 $920,000 291.5% 0.1%
AIR ACADEMY $885,000 n/a 0.1%
INTERNATIONAL CITY MORTGAGE, INC. $205,000 $870,000 324.4% 0.1%
MidFirst Bank $835,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $830,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $805,000 n/a 0.0%
Plains Commerce Bank $775,000 n/a 0.0%
ADVANCIAL $770,000 n/a 0.0%
Strong Home Mortgage, LLC $755,000 n/a 0.0%
INLAND BANK & TRUST $735,000 n/a 0.0%
NBH Bank $725,000 n/a 0.0%
KS StateBank $715,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $715,000 n/a 0.0%
Quontic Bank $705,000 n/a 0.0%
HomeStreet Bank $2,180,000 $690,000 -68.3% 0.0%
CELEBRITY HOME LOANS, LLC $680,000 n/a 0.0%
Visio Financial Services Inc. $615,000 n/a 0.0%
Bank of England $1,455,000 $605,000 -58.4% 0.0%
LIMA ONE CAPITAL, LLC $605,000 n/a 0.0%
Alliance Bank $595,000 n/a 0.0%
Washington Trust Bank $1,005,000 $585,000 -41.8% 0.0%
FirstBank $1,815,000 $575,000 -68.3% 0.0%
American Bank of the North $545,000 n/a 0.0%
First Bank & Trust $545,000 n/a 0.0%
American Mortgage and Insurance Inc. $535,000 n/a 0.0%
Sunflower Bank $535,000 n/a 0.0%
USAA Federal Savings Bank $4,560,000 $535,000 -88.3% 0.0%
Willamette Valley Bank $515,000 n/a 0.0%
First United Bank and Trust Company $505,000 n/a 0.0%
First Savings Bank $1,345,000 $475,000 -64.7% 0.0%
STAR ONE CREDIT UNION $375,000 n/a 0.0%
Security First Bank of North Dakota $315,000 n/a 0.0%
Toyota Financial Savings Bank $505,000 $305,000 -39.6% 0.0%
Discover Bank $65,000 $190,000 192.3% 0.0%
Citadel Servicing Corporation $155,000 n/a 0.0%

Kapaa's top lender by overall market share is Bank of Hawaii, with 8.1% market share. In second place, with 8.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $138,880,000 in loans. In third place, with 7.2%, is First Hawaiian Bank, having originated $124,920,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $97,390,000 in loans. In third place, with 4.7%, is JPMorgan Chase Bank, having originated $80,880,000 in loans.


Kapaa, HI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,223 $548,405,000 $448,410
Home Purchase 917 $681,195,000 $742,852
Cash Out Refi 709 $384,405,000 $542,179
Other 131 $97,075,000 $741,031
Home Improvement 118 $26,460,000 $224,237
NA 1 $1,765,000 $1,765,000

Kapaa's most frequently cited loan purpose was Refi, with 1,223 originations. The 2nd most popular reason was Home Purchase, with 917 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,244 $686,750,000 $552,050
3-4% 894 $535,510,000 $599,004
<2.5% 848 $443,830,000 $523,384
4-5% 71 $34,395,000 $484,437
5-6% 19 $16,115,000 $848,158
6-7% 4 $4,650,000 $1,162,500
Over 8% 4 $3,740,000 $935,000
7-8% 3 $4,935,000 $1,645,000

During 2021, Kapaa's most frequently originated rate bucket was 2.5-3%, with 1,244 originations.

Loan Sizing (Kapaa, HI MSA)

Loan Size Originations Total Value Average Loan
$400k-600k 980 $481,650,000 $491,480
$200k-400k 922 $279,740,000 $303,406
$600k-1000k 646 $478,740,000 $741,084
$100k-200k 226 $34,610,000 $153,142
$Over $1MM 223 $457,575,000 $2,051,906
$100,000 or less 102 $6,990,000 $68,529

Kapaa's loan sizing saw the bucket of loans from $400k-600k with 980 originations, totaling $481,650,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,041 $760,945,000 $730,975
40-60% 798 $412,630,000 $517,080
20-40% 481 $169,665,000 $352,734
80-100% 469 $309,915,000 $660,800
Under 20% 208 $28,170,000 $135,433
Over 100% 16 $11,250,000 $703,125

Kapaa's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,041 originations, totaling $760,945,000 in origination value.


Market Conditions (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 $852,500 (10.0%) $1,792,919 (20.0%) 0.00 437
2018-02-01 $882,000 (11.7%) $1,808,851 (18.5%) 0.00 424
2018-03-01 $947,000 (19.3%) $1,928,313 (21.2%) 0.00 416
2018-04-01 $968,500 (23.7%) $1,966,756 (23.5%) 0.00 395
2018-05-01 $982,000 (17.8%) $2,089,811 (26.0%) 0.00 389
2018-06-01 $989,000 (11.6%) $2,089,978 (15.2%) 0.00 385
2018-07-01 $942,000 (7.2%) $2,121,714 (18.6%) 0.00 394
2018-08-01 $902,000 (5.6%) $1,964,031 (17.1%) 0.00 421
2018-09-01 $890,000 (1.3%) $1,885,659 (6.9%) 0.00 426
2018-10-01 $862,000 (-1.2%) $1,832,966 (3.3%) 0.00 418
2018-11-01 $816,778 (-3.7%) $1,698,188 (-2.9%) 0.00 441
2018-12-01 $849,000 (-1.9%) $1,713,780 (-3.9%) 0.00 455
2019-01-01 $854,450 (0.2%) $1,761,683 (-1.7%) 0.00 447
2019-02-01 $849,500 (-3.7%) $1,762,742 (-2.6%) 0.00 451
2019-03-01 $867,857 (-8.4%) $1,783,300 (-7.5%) 0.00 444
2019-04-01 $857,857 (-11.4%) $1,766,848 (-10.2%) 0.00 445
2019-05-01 $895,000 (-8.9%) $1,799,879 (-13.9%) 0.00 447
2019-06-01 $899,000 (-9.1%) $1,806,782 (-13.6%) 0.00 440
2019-07-01 $897,500 (-4.7%) $1,794,622 (-15.4%) 0.00 447
2019-08-01 $942,000 (4.4%) $1,853,268 (-5.6%) 0.00 431
2019-09-01 $995,000 (11.8%) $1,923,987 (2.0%) 0.00 410
2019-10-01 $992,000 (15.1%) $1,895,381 (3.4%) 0.00 405
2019-11-01 $1,035,000 (26.7%) $2,011,988 (18.5%) 0.00 419
2019-12-01 $996,500 (17.4%) $1,978,698 (15.5%) 0.00 465
2020-01-01 $995,000 (16.5%) $1,969,410 (11.8%) 0.00 450
2020-02-01 $989,000 (16.4%) $2,093,473 (18.8%) 0.00 435
2020-03-01 $979,000 (12.8%) $2,043,115 (14.6%) 0.00 423
2020-04-01 $932,000 (8.6%) $2,029,673 (14.9%) 0.00 402
2020-05-01 $869,000 (-2.9%) $1,765,213 (-1.9%) 0.00 406
2020-06-01 $848,750 (-5.6%) $1,674,916 (-7.3%) 0.00 403
2020-07-01 $849,000 (-5.4%) $1,678,808 (-6.5%) 0.00 424
2020-08-01 $875,000 (-7.1%) $1,759,098 (-5.1%) 0.00 440
2020-09-01 $859,500 (-13.6%) $1,698,179 (-11.7%) 0.00 457
2020-10-01 $845,000 (-14.8%) $1,734,722 (-8.5%) 0.00 457
2020-11-01 $857,500 (-17.2%) $1,790,615 (-11.0%) 0.00 443
2020-12-01 $878,500 (-11.8%) $1,813,607 (-8.3%) 0.00 431
2021-01-01 $829,000 (-16.7%) $1,676,704 (-14.9%) 0.00 397
2021-02-01 $857,500 (-13.3%) $1,666,442 (-20.4%) 0.00 370
2021-03-01 $915,000 (-6.5%) $1,758,670 (-13.9%) 0.00 336
2021-04-01 $1,016,500 (9.1%) $1,858,379 (-8.4%) 0.00 339
2021-05-01 $1,290,000 (48.5%) $1,971,105 (11.7%) 0.00 277
2021-06-01 $1,396,500 (64.5%) $2,160,412 (29.0%) 0.00 226
2021-07-01 $1,395,000 (64.3%) $2,072,183 (23.4%) 0.00 224
2021-08-01 $1,480,000 (69.1%) $2,345,691 (33.4%) 0.00 205
2021-09-01 $1,485,000 (72.8%) $2,356,494 (38.8%) 0.00 203
2021-10-01 $1,425,000 (68.6%) $2,300,739 (32.6%) 0.00 197
2021-11-01 $1,499,000 (74.8%) $2,714,922 (51.6%) 0.00 171
2021-12-01 $1,456,750 (65.8%) $2,751,523 (51.7%) 0.00 170
2022-01-01 $1,295,000 (56.2%) $2,688,063 (60.3%) 0.00 157
2022-02-01 $1,299,000 (51.5%) $2,838,350 (70.3%) 0.00 144
2022-03-01 $1,347,500 (47.3%) $2,774,005 (57.7%) 0.00 139
2022-04-01 $1,499,000 (47.5%) $2,839,932 (52.8%) 0.00 119
2022-05-01 $1,532,500 (18.8%) $2,799,177 (42.0%) 0.00 117
2022-06-01 $1,587,500 (13.7%) $2,855,180 (32.2%) 0.00 133
Kapaa's median listing price for 2022-06-01 was $1,587,500, a difference of $191,000 (13.7%) versus the prior year and $55,000 versus the prior month.

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

Kapaa's average listing price for 2022-06-01 was $2,855,180, a difference of $694,768 (32.2%) versus the prior year and $56,003 versus the prior month.

For the 2022-06-01 period, Kapaa had 133 MLS listings, a difference of 16 listings (14%) versus the prior month and -93 listings (-41%) 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 1,583 sqft
2018-02-01 0 days 1,646 sqft
2018-03-01 0 days 1,670 sqft
2018-04-01 0 days 1,676 sqft
2018-05-01 0 days 1,724 sqft
2018-06-01 0 days 1,732 sqft
2018-07-01 0 days 1,731 sqft
2018-08-01 0 days 1,640 sqft
2018-09-01 0 days 1,630 sqft
2018-10-01 0 days 1,588 sqft
2018-11-01 0 days 1,548 sqft
2018-12-01 0 days 1,560 sqft
2019-01-01 0 days 1,584 sqft
2019-02-01 0 days 1,529 sqft
2019-03-01 0 days 1,494 sqft
2019-04-01 0 days 1,492 sqft
2019-05-01 0 days 1,536 sqft
2019-06-01 0 days 1,531 sqft
2019-07-01 0 days 1,642 sqft
2019-08-01 0 days 1,663 sqft
2019-09-01 0 days 1,705 sqft
2019-10-01 0 days 1,702 sqft
2019-11-01 0 days 1,700 sqft
2019-12-01 0 days 1,663 sqft
2020-01-01 0 days 1,644 sqft
2020-02-01 0 days 1,617 sqft
2020-03-01 0 days 1,508 sqft
2020-04-01 0 days 1,408 sqft
2020-05-01 0 days 1,404 sqft
2020-06-01 0 days 1,413 sqft
2020-07-01 0 days 1,372 sqft
2020-08-01 0 days 1,400 sqft
2020-09-01 0 days 1,359 sqft
2020-10-01 0 days 1,359 sqft
2020-11-01 0 days 1,359 sqft
2020-12-01 0 days 1,359 sqft
2021-01-01 0 days 1,324 sqft
2021-02-01 0 days 1,244 sqft
2021-03-01 0 days 1,356 sqft
2021-04-01 0 days 1,400 sqft
2021-05-01 0 days 1,584 sqft
2021-06-01 0 days 1,724 sqft
2021-07-01 0 days 1,797 sqft
2021-08-01 0 days 1,883 sqft
2021-09-01 0 days 1,830 sqft
2021-10-01 0 days 1,536 sqft
2021-11-01 0 days 1,801 sqft
2021-12-01 0 days 1,773 sqft
2022-01-01 0 days 1,559 sqft
2022-02-01 0 days 1,556 sqft
2022-03-01 0 days 1,594 sqft
2022-04-01 0 days 1,636 sqft
2022-05-01 0 days 1,664 sqft
2022-06-01 0 days 1,703 sqft
Kapaa's median listing age (time on market) for 2022-06-01 was 0 days.

Kapaa's median square footage for active listings during the 2022-06-01 period was 1,703 sqft. One year prior, the average listing was 1,724 sqft.