KAHULUI-WAILUKU-LAHAINA, HI
Mortgage Loan Application
Totals and Details
for 2016

Years 2016  2015  2014  
Total Number of Mortgage Applications 6,918
Total Mortgage Loan Application Amount $3,155,804,000
Average Mortgage Loan Application Amount $456,000
Highest Mortgage Loan Application Amount $74,900,000
Average Applicant Income $146,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for KAHULUI-WAILUKU-LAHAINA, HI in 2016

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 3,959 $1,707,899,000 $431,000 $11,200,000 $126,000 $6,000,000
Home Purchase 2,485 $1,322,622,000 $532,000 $74,900,000 $182,000 $9,999,000
Home Improvement 474 $125,283,000 $264,000 $2,000,000 $129,000 $1,496,000

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 3,147 $1,489,332,000 $473,000 $7,200,000 $180,000 $7,200,000
Asian 1,290 $503,490,000 $390,000 $3,375,000 $112,000 $3,718,000
Not Provided 1,163 $528,784,000 $454,000 $7,200,000 $174,000 $9,999,000
Native Hawaiin or Other Pacific Islander 703 $238,733,000 $339,000 $1,219,000 $83,000 $359,000
Not applicable 315 $273,755,000 $869,000 $74,900,000 $12,000 $346,000
Hispanic 220 $87,251,000 $396,000 $1,200,000 $119,000 $852,000
Black or African American 42 $17,549,000 $417,000 $905,000 $113,000 $357,000
American Indian or Alaskan Native 38 $16,910,000 $445,000 $1,452,000 $174,000 $1,222,000

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) 5,584 $2,576,970,000 $461,000 $74,900,000 $165,000 $9,999,000
FHA-insured (Federal Housing Administration) 652 $273,253,000 $419,000 $857,000 $77,000 $1,800,000
VA-guaranteed (Veterans Administration) 589 $272,271,000 $462,000 $1,530,000 $54,000 $337,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 93 $33,310,000 $358,000 $672,000 $75,000 $137,000

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 3,867 $1,741,187,000 $450,000 $7,200,000 $162,000 $9,999,000
Application Denied By Financial Institution 1,336 $567,220,000 $424,000 $11,200,000 $125,000 $2,847,000
Application Withdrawn By Applicant 823 $369,652,000 $449,000 $3,300,000 $158,000 $4,000,000
Loan Purchased By The Institution 479 $288,510,000 $602,000 $74,900,000 $50,000 $564,000
File Closed For Incompleteness 258 $123,456,000 $478,000 $7,200,000 $158,000 $1,950,000
Application Approved But Not Accepted 155 $65,779,000 $424,000 $6,000,000 $162,000 $2,044,000
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 221 $110,879,000 $501,000 $11,200,000 $110,000 $2,506,000
Collateral 162 $86,590,000 $534,000 $4,000,000 $211,000 $2,847,000
Credit History 112 $40,047,000 $357,000 $1,200,000 $116,000 $500,000
Credit Application Incomplete 85 $32,551,000 $382,000 $1,515,000 $125,000 $840,000
Other 67 $27,544,000 $411,000 $1,755,000 $220,000 $2,737,000
Unverifiable Information 37 $18,441,000 $498,000 $3,040,000 $159,000 $700,000
Insufficient Cash (Downpayment, Closing Cost) 20 $9,377,000 $468,000 $952,000 $113,000 $315,000
Employment History 5 $2,270,000 $454,000 $765,000 $101,000 $202,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
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