Kahului-Wailuku-Lahaina, HI Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 3,751 mortgage applications in Kahului-Wailuku-Lahaina, HI metro area totaling $2.4 billion, down 5% from 2023. The average application was for $631,818, and applicants reported an average income of $291,000. 47% of applications resulted in an originated loan and 25% were denied. The most active lender was Bank of Hawaii, with 377 applications, followed by American Savings Bank and First Hawaiian Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 3,751 |
| Total Mortgage Loan Application Amount | $2,369,950,000 |
| Average Mortgage Loan Application Amount | $631,818 |
| Highest Mortgage Loan Application Amount | $37,285,000 |
| Average Applicant Income | $291,000 |
| Highest Applicant Income | $8,160,000 |
Top Mortgage Lenders in Kahului-Wailuku-Lahaina, HI Metro Area (2024)
Ranked by the number of mortgage applications each lender reported in Kahului-Wailuku-Lahaina, HI metro area in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bank of Hawaii Honolulu, HI |
377 | $178,135,000 | $472,000 | $267,000 |
| 2 | American Savings Bank Honolulu, HI |
299 | $111,745,000 | $373,000 | $199,000 |
| 3 | First Hawaiian Bank Honolulu, HI |
269 | $114,470,000 | $427,000 | $232,000 |
| 4 | United Wholesale Mortgage Plymouth, MI |
157 | $124,595,000 | $793,000 | $341,000 |
| 5 | Guaranteed Rate, Inc. Chicago, IL |
143 | $120,505,000 | $842,000 | $403,000 |
| 6 | Hawaii State Federal Credit Union Honolulu, HI |
130 | $33,350,000 | $256,000 | $153,000 |
| 7 | Northpointe Bank Grand Rapids, MI |
127 | $101,445,000 | $798,000 | $477,000 |
| 8 | Central Pacific Bank Honolulu, HI |
110 | $50,000,000 | $454,000 | $196,000 |
| 9 | Newrez LLC Fort Washington, PA |
101 | $67,885,000 | $672,000 | $226,000 |
| 10 | Discover Bank Greenwood, DE |
89 | $10,565,000 | $118,000 | $231,000 |
See every lender active in Kahului-Wailuku-Lahaina, HI metro area in 2024 »
The tables below break down 2024 mortgage applications in Kahului-Wailuku-Lahaina, 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 Kahului-Wailuku-Lahaina, HI in 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,619 | $1,361,390,000 | $841,000 | $37,285,000 | $343,000 | $7,946,000 |
| Cash-out Refinancing | 637 | $356,855,000 | $560,000 | $6,335,000 | $216,000 | $4,402,000 |
| Other Purpose | 550 | $213,080,000 | $387,000 | $12,805,000 | $229,000 | $8,000,000 |
| Home Improvement | 494 | $123,700,000 | $250,000 | $2,505,000 | $211,000 | $5,976,000 |
| Refinancing | 445 | $313,695,000 | $704,000 | $6,825,000 | $401,000 | $8,160,000 |
| Not Applicable | 6 | $1,230,000 | $205,000 | $485,000 | $0 | $0 |
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 | 1,438 | $1,009,035,000 | $702,000 | $7,005,000 | $356,000 | $7,004,000 |
| Asian | 835 | $405,705,000 | $485,000 | $2,305,000 | $201,000 | $7,946,000 |
| Not Provided | 673 | $438,735,000 | $651,000 | $12,805,000 | $345,000 | $8,160,000 |
| Not applicable | 276 | $269,720,000 | $977,000 | $37,285,000 | $213,000 | $412,000 |
| Hispanic | 241 | $120,495,000 | $499,000 | $3,505,000 | $195,000 | $1,830,000 |
| Native Hawaiian or Other Pacific Islander | 230 | $93,840,000 | $408,000 | $6,335,000 | $174,000 | $8,000,000 |
| American Indian or Alaskan Native | 32 | $20,510,000 | $640,000 | $5,505,000 | $446,000 | $3,133,000 |
| Black or African American | 26 | $11,910,000 | $458,000 | $1,985,000 | $183,000 | $759,000 |
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) | 3,378 | $2,107,305,000 | $624,000 | $37,285,000 | $305,000 | $8,160,000 |
| FHA-insured (Federal Housing Administration) | 216 | $134,250,000 | $621,000 | $1,305,000 | $144,000 | $1,800,000 |
| VA-guaranteed (Veterans Administration) | 153 | $126,385,000 | $826,000 | $2,785,000 | $158,000 | $1,416,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $2,010,000 | $502,000 | $915,000 | $141,000 | $183,000 |
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 | 1,772 | $1,241,300,000 | $700,000 | $37,285,000 | $309,000 | $7,004,000 |
| Application Denied By Financial Institution | 921 | $380,465,000 | $413,000 | $6,335,000 | $217,000 | $8,160,000 |
| Application Withdrawn By Applicant | 589 | $420,290,000 | $714,000 | $7,005,000 | $336,000 | $4,440,000 |
| Loan Purchased By The Institution | 232 | $172,860,000 | $745,000 | $2,805,000 | $315,000 | $1,411,000 |
| File Closed For Incompleteness | 147 | $76,675,000 | $521,000 | $5,005,000 | $310,000 | $8,000,000 |
| Application Approved But Not Accepted | 86 | $75,440,000 | $877,000 | $3,725,000 | $412,000 | $3,828,000 |
| Preapproval Approved but not Accepted | 2 | $1,450,000 | $725,000 | $845,000 | $176,000 | $223,000 |
| Preapproval Denied by Financial Institution | 2 | $1,470,000 | $735,000 | $1,145,000 | $92,000 | $114,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,816 | $1,975,825,000 | $701,000 | $37,285,000 | $318,000 | $8,000,000 |
| Debt-To-Income Ratio | 388 | $165,010,000 | $425,000 | $6,335,000 | $142,000 | $1,800,000 |
| Collateral | 202 | $93,190,000 | $461,000 | $4,055,000 | $307,000 | $5,976,000 |
| Credit History | 145 | $45,425,000 | $313,000 | $5,505,000 | $223,000 | $5,000,000 |
| Credit Application Incomplete | 83 | $31,155,000 | $375,000 | $1,405,000 | $297,000 | $8,160,000 |
| Other | 73 | $31,715,000 | $434,000 | $2,945,000 | $192,000 | $1,614,000 |
| Unverifiable Information | 26 | $13,290,000 | $511,000 | $2,135,000 | $241,000 | $814,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $13,390,000 | $956,000 | $2,275,000 | $944,000 | $7,946,000 |
| Employment History | 4 | $950,000 | $237,000 | $505,000 | $120,000 | $143,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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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