Howery: 3% mortgage rates will probably never happen again in our lifetime
Raph Howery · Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs · Jan 21, 2026 · at 21:26
Raph Howery, founder and CEO of Kukun, discusses how elevated mortgage rates and low housing turnover drive consumer demand for home improvement tools.
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“People are not buying because everybody's still betting that they want to go back to the three percent mortgage date, which probably never going to happen in our lifetime.”
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More from Raph Howery
Howery: Kukun serves 20 to 25 enterprise B2B customers
“No, it's not in the 5000. It's definitely not in the five either. We are in about the 20 to 25.”
Kukun processes 400,000 to 500,000 monthly address requests across all clients
“I'm gonna have to guess around maybe somewhere between 400,000 to 500,000 between the big and small clients.”
Kukun charges $10,000 to $50,000 monthly for average 20,000-usage tiers
“No, no, it's a, it just ranges between, it depends on the bells and whistles, but it ranges between 10,000 a month to about, let's say, 50,000 a month.”
Kukun has raised $7M from private investors excluding founder capital
“If you exclude me about seven million.”