Kapaa Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Kapaa averaged 7.35% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.08% and one month ago for the week of 2025-05-15, the average rate was 7.15%.

Kapaa's average rate one year ago was 7.49%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Kapaa 30 Year Fixed Rate 2025-06-18 7.35%
Kapaa 30 Year Fixed Rate Refi 2025-06-18 6.91%
Kapaa 15 Year Fixed Rate 2025-06-18 5.96%
Kapaa 15 Year Fixed Rate Refi 2025-06-18 6.46%
Kapaa 30 Year FHA 2025-06-18 0.2%
Kapaa 30 Year FHA Refi 2025-06-18 0.1%
Kapaa 30 Year USDA 2025-06-18 0.1%
Kapaa 30 Year USDA Refi 2025-06-18 -0.1%
Kapaa 30 Year VA 2025-06-18 -0.2%
Kapaa 30 Year VA Refi 2025-06-18 -0.2%
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, 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.