Honolulu, HI Metro Area Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 82,608 mortgage applications in Honolulu, HI metro area totaling $24.2 billion, up 11% from 2004. The average application was for $293,503, and applicants reported an average income of $109,000. 49% of applications resulted in an originated loan and 12% were denied. The most active lender was Countrywide Home Loans, with 10,505 applications, followed by Ameriquest Mortgage Company and New Century Mortgage Corporati.
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| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 82,608 |
| Total Mortgage Loan Application Amount | $24,245,752,000 |
| Average Mortgage Loan Application Amount | $293,503 |
| Highest Mortgage Loan Application Amount | $75,000,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $7,814,000 |
Top Mortgage Lenders in Honolulu, HI Metro Area (2005)
Ranked by the number of mortgage applications each lender reported in Honolulu, HI metro area in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Countrywide Home Loans Westlake Village, CA |
10,505 | $3,346,503,000 | $318,000 | $102,000 |
| 2 | Ameriquest Mortgage Company Orange, CA |
5,189 | $1,547,777,000 | $298,000 | $92,000 |
| 3 | New Century Mortgage Corporati Irvine, CA |
3,373 | $882,978,000 | $261,000 | $112,000 |
| 4 | First Magnus Financial Corp Tucson, AZ |
3,129 | $893,669,000 | $285,000 | $71,000 |
| 5 | Wells Fargo Bank, NA Des Moines, IA |
2,868 | $939,357,000 | $327,000 | $116,000 |
| 6 | BNC Mortgage New York, NY |
2,577 | $695,057,000 | $269,000 | $110,000 |
| 7 | Bank of Hawaii Kapolei, HI |
2,390 | $812,369,000 | $339,000 | $118,000 |
| 8 | Argent Mortgage Company Orange, CA |
2,350 | $712,151,000 | $303,000 | $102,000 |
| 9 | Fremont Investment & Loan Brea, CA |
2,299 | $597,631,000 | $259,000 | $111,000 |
| 10 | Aurora Bank FSB New York, NY |
2,257 | $655,978,000 | $290,000 | $121,000 |
See every lender active in Honolulu, HI metro area in 2005 »
The tables below break down 2005 mortgage applications in Honolulu, HI metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Honolulu, HI in 2005
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 | 42,707 | $12,860,593,000 | $301,000 | $75,000,000 | $95,000 | $6,028,000 |
| Home Purchase | 34,714 | $10,187,846,000 | $293,000 | $5,947,000 | $134,000 | $7,814,000 |
| Home Improvement | 5,187 | $1,197,313,000 | $230,000 | $20,000,000 | $89,000 | $1,248,000 |
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 |
|---|---|---|---|---|---|---|
| Asian | 28,065 | $7,856,273,000 | $279,000 | $4,500,000 | $107,000 | $3,005,000 |
| White | 22,318 | $7,144,355,000 | $320,000 | $5,947,000 | $138,000 | $7,814,000 |
| Not Provided | 12,701 | $3,756,400,000 | $295,000 | $3,055,000 | $118,000 | $3,052,000 |
| Native Hawaiian or Other Pacific Islander | 10,293 | $2,682,564,000 | $260,000 | $2,173,000 | $88,000 | $3,600,000 |
| Not applicable | 4,288 | $1,464,388,000 | $341,000 | $75,000,000 | $49,000 | $6,028,000 |
| Hispanic | 2,957 | $811,971,000 | $274,000 | $2,240,000 | $99,000 | $2,788,000 |
| Black or African American | 1,522 | $404,499,000 | $265,000 | $1,000,000 | $90,000 | $628,000 |
| American Indian or Alaskan Native | 464 | $125,302,000 | $270,000 | $1,180,000 | $93,000 | $660,000 |
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) | 80,774 | $23,770,135,000 | $294,000 | $75,000,000 | $114,000 | $7,814,000 |
| VA-guaranteed (Veterans Administration) | 1,028 | $325,780,000 | $316,000 | $585,000 | $56,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 802 | $149,123,000 | $185,000 | $13,379,000 | $49,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $714,000 | $178,000 | $250,000 | $41,000 | $52,000 |
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 | 40,107 | $11,799,263,000 | $294,000 | $75,000,000 | $119,000 | $7,814,000 |
| Loan Purchased By The Institution | 15,004 | $4,479,816,000 | $298,000 | $3,293,000 | $78,000 | $3,000,000 |
| Application Withdrawn By Applicant | 10,355 | $3,086,335,000 | $298,000 | $20,000,000 | $109,000 | $4,000,000 |
| Application Denied By Financial Institution | 10,077 | $2,862,991,000 | $284,000 | $20,000,000 | $108,000 | $2,777,000 |
| Application Approved But Not Accepted | 4,784 | $1,324,232,000 | $276,000 | $4,500,000 | $113,000 | $3,000,000 |
| File Closed For Incompleteness | 2,272 | $691,190,000 | $304,000 | $1,950,000 | $102,000 | $3,600,000 |
| Preapproval Denied by Financial Institution | 8 | $1,825,000 | $228,000 | $382,000 | $104,000 | $221,000 |
| Preapproval Approved but not Accepted | 1 | $100,000 | $100,000 | $100,000 | $44,000 | $44,000 |
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 |
|---|---|---|---|---|---|---|
| Other | 2,694 | $813,235,000 | $301,000 | $3,920,000 | $126,000 | $2,400,000 |
| Credit History | 1,126 | $314,057,000 | $278,000 | $2,300,000 | $112,000 | $2,342,000 |
| Credit Application Incomplete | 947 | $272,060,000 | $287,000 | $2,000,000 | $109,000 | $1,200,000 |
| Collateral | 919 | $272,723,000 | $296,000 | $20,000,000 | $112,000 | $2,400,000 |
| Debt-To-Income Ratio | 832 | $260,751,000 | $313,000 | $1,680,000 | $84,000 | $810,000 |
| Unverifiable Information | 374 | $121,252,000 | $324,000 | $2,000,000 | $149,000 | $1,260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 100 | $33,443,000 | $334,000 | $3,000,000 | $96,000 | $1,080,000 |
| Employment History | 67 | $17,053,000 | $254,000 | $1,352,000 | $86,000 | $354,000 |
| Mortgage Insurance Denied | 4 | $1,267,000 | $316,000 | $535,000 | $112,000 | $261,000 |
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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