Kapaa Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kapaa averaged
6.88%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.89% and
one month ago for the week of 2025-02-27, the
average rate was 7%.
Kapaa's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.84%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Kapaa 30 Year Fixed Rate | 2025-04-03 | 6.88% |
| Kapaa 30 Year Fixed Rate Refi | 2025-04-03 | 6.84% |
| Kapaa 15 Year Fixed Rate | 2025-04-03 | 5.92% |
| Kapaa 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Kapaa 30 Year FHA | 2025-04-03 | 6.16% |
| Kapaa 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Kapaa 30 Year USDA | 2025-04-03 | 6.12% |
| Kapaa 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Kapaa 30 Year VA | 2025-04-03 | 6.26% |
| Kapaa 30 Year VA Refi | 2025-04-03 | 6.26% |
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.).
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 |
Kapaa's median listing price comes in at 0% of the national average.
Kapaa's average listing price for 2025-03-01 was $2,699,949, a difference of $-346,551 (-11.4%) versus the prior year and $-99,644 versus the prior month.
For the 2025-03-01 period, Kapaa had 368 MLS listings, a difference of 7 listings (2%) versus the prior month and 155 listings (73%) 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 |
Kapaa's median square footage for active listings during the 2025-03-01 period was 1,351 sqft. One year prior, the average listing was 1,687 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.