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 6.79% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.58% and one month ago for the week of 2024-11-07, the average rate was 6.88%.

    Kapaa's average rate one year ago was 7.22%.

    For refis of the same type during the week of 2024-12-12, the average rate was 5.83%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Kapaa 30 Year Fixed Rate 2024-12-12 6.79%
    Kapaa 30 Year Fixed Rate Refi 2024-12-12 5.83%
    Kapaa 15 Year Fixed Rate 2024-12-12 5.74%
    Kapaa 15 Year Fixed Rate Refi 2024-12-12 5.94%
    Kapaa 30 Year FHA 2024-12-12 6.18%
    Kapaa 30 Year FHA Refi 2024-12-12 6.58%
    Kapaa 30 Year USDA 2024-12-12 6.2%
    Kapaa 30 Year USDA Refi 2024-12-12 6.4%
    Kapaa 30 Year VA 2024-12-12 5.98%
    Kapaa 30 Year VA Refi 2024-12-12 5.88%
    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
    2024-05-01 $1,431,000 (-22.5%) $2,768,559 (-12.1%) 0.00 263
    2024-06-01 $1,395,000 (-22.0%) $2,645,380 (-11.6%) 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
    Kapaa's median listing price for 2024-11-01 was $1,399,000, a difference of $-173,000 (-11.0%) versus the prior year and $-69,750 versus the prior month.

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

    Kapaa's average listing price for 2024-11-01 was $2,503,464, a difference of $-127,755 (-4.9%) versus the prior year and $16,338 versus the prior month.

    For the 2024-11-01 period, Kapaa had 318 MLS listings, a difference of 13 listings (4%) versus the prior month and 98 listings (45%) 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
    2024-05-01 0 days 1,533 sqft
    2024-06-01 0 days 1,407 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
    Kapaa's median listing age (time on market) for 2024-11-01 was 0 days.

    Kapaa's median square footage for active listings during the 2024-11-01 period was 1,308 sqft. One year prior, the average listing was 1,575 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.