AllMortgageDetail - Mortgage Application Details

KAHULUI-WAILUKU-LAHAINA, HI
Mortgage Loan Application
Totals and Details
for 2014

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Years 2014  
Total Number of Mortgage Applications 4,881
Total Mortgage Loan Application Amount $1,975,650,000
Average Mortgage Loan Application Amount $404,000
Highest Mortgage Loan Application Amount $27,000,000
Average Applicant Income $152,000
Highest Applicant Income $8,340,000

Mortgage Loan Application Detail Totals for KAHULUI-WAILUKU-LAHAINA, 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 2,305 $973,712,000 $422,000 $27,000,000 $138,000 $8,340,000
Home Purchase 2,121 $934,743,000 $440,000 $7,150,000 $176,000 $6,136,000
Home Improvement 455 $67,195,000 $147,000 $3,060,000 $114,000 $4,003,000

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 2,338 $1,030,827,000 $440,000 $7,150,000 $197,000 $8,340,000
Asian 858 $277,392,000 $323,000 $2,500,000 $104,000 $1,537,000
Not Provided 785 $305,350,000 $388,000 $7,000,000 $159,000 $4,780,000
Native Hawaiin or Other Pacific Islander 465 $130,503,000 $280,000 $1,500,000 $84,000 $1,800,000
Not applicable 237 $163,164,000 $688,000 $27,000,000 $16,000 $713,000
Hispanic 147 $46,166,000 $314,000 $1,118,000 $103,000 $545,000
Black or African American 27 $13,302,000 $492,000 $4,153,000 $253,000 $2,612,000
American Indian or Alaskan Native 24 $8,946,000 $372,000 $1,800,000 $172,000 $1,128,000

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) 4,101 $1,677,212,000 $408,000 $27,000,000 $168,000 $8,340,000
FHA-insured (Federal Housing Administration) 334 $110,768,000 $331,000 $669,000 $69,000 $271,000
VA-guaranteed (Veterans Administration) 327 $147,481,000 $451,000 $1,839,000 $74,000 $423,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 119 $40,189,000 $337,000 $587,000 $59,000 $132,000

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 2,845 $1,139,232,000 $400,000 $24,650,000 $164,000 $8,340,000
Application Denied By Financial Institution 857 $326,410,000 $380,000 $3,000,000 $126,000 $4,003,000
Application Withdrawn By Applicant 518 $260,848,000 $503,000 $27,000,000 $191,000 $5,044,000
Loan Purchased By The Institution 375 $141,462,000 $377,000 $2,000,000 $56,000 $2,075,000
File Closed For Incompleteness 163 $63,146,000 $387,000 $1,661,000 $170,000 $6,136,000
Application Approved But Not Accepted 123 $44,552,000 $362,000 $1,788,000 $172,000 $5,000,000
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 228 $93,546,000 $410,000 $2,800,000 $93,000 $686,000
Collateral 163 $62,462,000 $383,000 $1,920,000 $180,000 $1,743,000
Credit History 119 $35,134,000 $295,000 $2,815,000 $107,000 $1,000,000
Credit Application Incomplete 68 $30,819,000 $453,000 $3,000,000 $212,000 $4,003,000
Other 56 $18,463,000 $329,000 $1,214,000 $128,000 $516,000
Unverifiable Information 20 $7,024,000 $351,000 $1,200,000 $198,000 $710,000
Insufficient Cash (Downpayment, Closing Cost) 18 $9,556,000 $530,000 $1,500,000 $148,000 $372,000
Employment History 9 $2,142,000 $238,000 $420,000 $80,000 $234,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0