Honolulu, HI Metro Area Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 51,603 mortgage applications in Honolulu, HI metro area totaling $19.2 billion, up 35% from 2011. The average application was for $372,516, and applicants reported an average income of $105,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 8,870 applications, followed by American Savings Bank and Bank of Hawaii.
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| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 51,603 |
| Total Mortgage Loan Application Amount | $19,222,954,000 |
| Average Mortgage Loan Application Amount | $372,516 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $9,807,000 |
Top Mortgage Lenders in Honolulu, HI Metro Area (2012)
Ranked by the number of mortgage applications each lender reported in Honolulu, HI metro area in 2012.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
8,870 | $3,692,719,000 | $416,000 | $90,000 |
| 2 | American Savings Bank Honolulu, HI |
4,064 | $903,711,000 | $222,000 | $124,000 |
| 3 | Bank of Hawaii Honolulu, HI |
3,776 | $1,373,578,000 | $363,000 | $130,000 |
| 4 | Central Pacific Bank Honolulu, HI |
3,172 | $1,235,238,000 | $389,000 | $118,000 |
| 5 | First Hawaiian Bank Honolulu, HI |
2,484 | $913,197,000 | $367,000 | $122,000 |
| 6 | Honolulu Homeloans, Inc. Honolulu, HI |
1,881 | $719,538,000 | $382,000 | $114,000 |
| 7 | Wells Fargo Home Mortg Hawaii Winston-Salem, NC |
1,535 | $643,607,000 | $419,000 | $94,000 |
| 8 | Provident Funding Associates Santa Rosa, CA |
1,281 | $541,911,000 | $423,000 | $123,000 |
| 9 | Bank of America NA Westlake Village, CA |
1,268 | $447,011,000 | $352,000 | $117,000 |
| 10 | Territorial Savings Bank Honolulu, HI |
1,227 | $440,758,000 | $359,000 | $116,000 |
See every lender active in Honolulu, HI metro area in 2012 »
The tables below break down 2012 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 2012
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 | 36,028 | $13,850,739,000 | $384,000 | $99,999,000 | $102,000 | $9,807,000 |
| Home Purchase | 11,176 | $4,693,694,000 | $419,000 | $5,475,000 | $115,000 | $9,458,000 |
| Home Improvement | 4,399 | $678,521,000 | $154,000 | $4,954,000 | $111,000 | $2,244,000 |
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 | 22,912 | $7,766,226,000 | $338,000 | $4,275,000 | $109,000 | $9,807,000 |
| White | 14,177 | $5,786,939,000 | $408,000 | $7,458,000 | $121,000 | $7,000,000 |
| Not Provided | 5,157 | $2,035,764,000 | $394,000 | $4,200,000 | $107,000 | $9,458,000 |
| Native Hawaiian or Other Pacific Islander | 4,586 | $1,504,505,000 | $328,000 | $3,450,000 | $90,000 | $1,916,000 |
| Not applicable | 2,274 | $1,213,326,000 | $533,000 | $99,999,000 | $26,000 | $2,022,000 |
| Hispanic | 1,522 | $545,510,000 | $358,000 | $1,500,000 | $80,000 | $804,000 |
| Black or African American | 744 | $288,714,000 | $388,000 | $859,000 | $70,000 | $336,000 |
| American Indian or Alaskan Native | 231 | $81,970,000 | $354,000 | $1,501,000 | $108,000 | $2,460,000 |
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) | 38,991 | $13,719,231,000 | $351,000 | $99,999,000 | $122,000 | $9,807,000 |
| VA-guaranteed (Veterans Administration) | 9,108 | $4,210,401,000 | $462,000 | $1,500,000 | $49,000 | $1,763,000 |
| FHA-insured (Federal Housing Administration) | 2,157 | $783,798,000 | $363,000 | $1,016,000 | $66,000 | $444,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,347 | $509,524,000 | $378,000 | $730,000 | $78,000 | $164,000 |
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 | 31,020 | $11,545,814,000 | $372,000 | $99,999,000 | $111,000 | $9,807,000 |
| Loan Purchased By The Institution | 7,379 | $2,950,643,000 | $399,000 | $2,200,000 | $69,000 | $2,716,000 |
| Application Denied By Financial Institution | 5,593 | $1,890,209,000 | $337,000 | $4,954,000 | $108,000 | $2,506,000 |
| Application Withdrawn By Applicant | 4,614 | $1,746,559,000 | $378,000 | $3,000,000 | $118,000 | $6,200,000 |
| Application Approved But Not Accepted | 1,885 | $673,617,000 | $357,000 | $4,000,000 | $112,000 | $5,099,000 |
| File Closed For Incompleteness | 1,112 | $416,112,000 | $374,000 | $3,000,000 | $119,000 | $6,666,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,589 | $473,735,000 | $298,000 | $1,660,000 | $83,000 | $416,000 |
| Collateral | 1,165 | $425,037,000 | $364,000 | $4,200,000 | $134,000 | $2,506,000 |
| Other | 675 | $230,822,000 | $341,000 | $3,450,000 | $111,000 | $1,309,000 |
| Credit History | 612 | $194,265,000 | $317,000 | $4,954,000 | $101,000 | $1,200,000 |
| Credit Application Incomplete | 557 | $199,616,000 | $358,000 | $2,025,000 | $127,000 | $2,460,000 |
| Unverifiable Information | 232 | $76,057,000 | $327,000 | $1,203,000 | $114,000 | $874,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 125 | $46,345,000 | $370,000 | $1,000,000 | $126,000 | $984,000 |
| Employment History | 39 | $14,688,000 | $376,000 | $1,465,000 | $109,000 | $275,000 |
| Mortgage Insurance Denied | 6 | $1,808,000 | $301,000 | $413,000 | $97,000 | $170,000 |
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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