Hawaii County, HI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 5,124 mortgage applications in Hawaii County, HI totaling $1.5 billion, down 34% from 2013. The average application was for $292,000, and applicants reported an average income of $119,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 494 applications, followed by American Savings Bank and Plaza Home Mortgage, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,124 |
| Total Mortgage Loan Application Amount | $1,500,806,000 |
| Average Mortgage Loan Application Amount | $292,000 |
| Highest Mortgage Loan Application Amount | $12,950,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $7,028,000 |
Top Mortgage Lenders in Hawaii County, HI (2014)
Ranked by the number of mortgage applications each lender reported in Hawaii County, HI in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
494 | $180,152,000 | $364,000 | $174,000 |
| 2 | American Savings Bank Honolulu, HI |
296 | $55,893,000 | $188,000 | $106,000 |
| 3 | Plaza Home Mortgage, Inc San Diego, CA |
276 | $78,978,000 | $286,000 | $98,000 |
| 4 | Bank of Hawaii Honolulu, HI |
257 | $81,673,000 | $317,000 | $172,000 |
| 5 | loanDepot.com LLC Irvine, CA |
249 | $62,538,000 | $251,000 | $76,000 |
| 6 | First Hawaiian Bank Honolulu, HI |
227 | $70,529,000 | $310,000 | $133,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
222 | $55,498,000 | $249,000 | $17,000 |
| 8 | Bank of America NA Westlake Village, CA |
213 | $70,785,000 | $332,000 | $151,000 |
| 9 | Homestreet Bank Seattle, WA |
208 | $48,540,000 | $233,000 | $82,000 |
| 10 | Prospect Mortgage, LLC Sherman Oaks, CA |
132 | $37,758,000 | $286,000 | $113,000 |
The tables below break down 2014 mortgage applications in Hawaii County, HI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Hawaii County, HI in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,457 | $716,071,000 | $291,000 | $12,950,000 | $107,000 | $7,028,000 |
| Home Purchase | 2,391 | $753,875,000 | $315,000 | $4,600,000 | $135,000 | $6,880,000 |
| Home Improvement | 276 | $30,860,000 | $111,000 | $830,000 | $83,000 | $1,087,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,501 | $791,876,000 | $316,000 | $4,500,000 | $149,000 | $6,880,000 |
| Asian | 768 | $190,204,000 | $247,000 | $1,700,000 | $97,000 | $2,793,000 |
| Native Hawaiian or Other Pacific Islander | 649 | $141,326,000 | $217,000 | $800,000 | $78,000 | $1,860,000 |
| Not Provided | 583 | $199,411,000 | $342,000 | $12,950,000 | $151,000 | $7,028,000 |
| Not applicable | 363 | $116,892,000 | $322,000 | $9,750,000 | $8,000 | $534,000 |
| Hispanic | 179 | $39,672,000 | $221,000 | $626,000 | $77,000 | $307,000 |
| American Indian or Alaskan Native | 46 | $13,661,000 | $296,000 | $1,768,000 | $97,000 | $440,000 |
| Black or African American | 35 | $7,764,000 | $221,000 | $782,000 | $85,000 | $360,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,971 | $1,206,042,000 | $303,000 | $12,950,000 | $139,000 | $7,028,000 |
| VA-guaranteed (Veterans Administration) | 467 | $144,980,000 | $310,000 | $846,000 | $66,000 | $577,000 |
| FHA-insured (Federal Housing Administration) | 358 | $77,442,000 | $216,000 | $549,000 | $57,000 | $381,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 328 | $72,342,000 | $220,000 | $516,000 | $26,000 | $159,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,773 | $855,498,000 | $308,000 | $12,950,000 | $138,000 | $7,028,000 |
| Application Denied By Financial Institution | 985 | $255,736,000 | $259,000 | $4,500,000 | $94,000 | $2,827,000 |
| Application Withdrawn By Applicant | 521 | $158,845,000 | $304,000 | $3,995,000 | $135,000 | $2,609,000 |
| Loan Purchased By The Institution | 508 | $134,093,000 | $263,000 | $1,540,000 | $40,000 | $2,597,000 |
| File Closed For Incompleteness | 170 | $49,526,000 | $291,000 | $1,608,000 | $124,000 | $2,724,000 |
| Application Approved But Not Accepted | 166 | $46,908,000 | $282,000 | $952,000 | $138,000 | $1,819,000 |
| Preapproval Denied by Financial Institution | 1 | $200,000 | $200,000 | $200,000 | $101,000 | $101,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 215 | $58,810,000 | $273,000 | $1,700,000 | $131,000 | $2,827,000 |
| Debt-To-Income Ratio | 188 | $58,918,000 | $313,000 | $4,500,000 | $78,000 | $408,000 |
| Credit History | 136 | $25,375,000 | $186,000 | $949,000 | $86,000 | $1,471,000 |
| Credit Application Incomplete | 86 | $21,045,000 | $244,000 | $994,000 | $95,000 | $818,000 |
| Other | 71 | $13,502,000 | $190,000 | $960,000 | $95,000 | $610,000 |
| Unverifiable Information | 32 | $7,168,000 | $224,000 | $845,000 | $92,000 | $618,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,763,000 | $276,000 | $559,000 | $111,000 | $266,000 |
| Employment History | 9 | $1,944,000 | $216,000 | $342,000 | $69,000 | $142,000 |
| Mortgage Insurance Denied | 2 | $675,000 | $337,000 | $342,000 | $114,000 | $142,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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