Kalawao County, HI Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 5 mortgage applications in Kalawao County, HI totaling $1.1 million, up 400% from 2004. The average application was for $219,000, and applicants reported an average income of $79,000. 0% of applications resulted in an originated loan and 20% were denied. The most active lender was American Home Loans, with 1 applications, followed by E-Loan, Inc. and JPMorgan Chase Bank, NA.
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Top Mortgage Lenders in Kalawao County, HI (2005)
Ranked by the number of mortgage applications each lender reported in Kalawao County, HI in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | American Home Loans Irvine, CA |
1 | $435,000 | $435,000 | $125,000 |
| 2 | E-Loan, Inc. Pleasanton, CA |
1 | $390,000 | $390,000 | $120,000 |
| 3 | JPMorgan Chase Bank, NA Columbus, OH |
1 | $68,000 | $68,000 | $97,000 |
| 4 | Quick Loan Funding Inc Costa Mesa, CA |
1 | $85,000 | $85,000 | $22,000 |
| 5 | Wells Fargo Fin'l Hawaii, Inc Des Moines, IA |
1 | $117,000 | $117,000 | $35,000 |
The tables below break down 2005 mortgage applications in Kalawao County, HI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kalawao County, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3 | $543,000 | $181,000 | $390,000 | $79,000 | $120,000 |
| Refinancing | 2 | $552,000 | $276,000 | $435,000 | $80,000 | $125,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 1 | $117,000 | $117,000 | $117,000 | $35,000 | $35,000 |
| Asian | 1 | $68,000 | $68,000 | $68,000 | $97,000 | $97,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $22,000 | $22,000 |
| Not Provided | 1 | $390,000 | $390,000 | $390,000 | $120,000 | $120,000 |
| White | 1 | $435,000 | $435,000 | $435,000 | $125,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $1,095,000 | $219,000 | $435,000 | $79,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2 | $507,000 | $253,000 | $390,000 | $77,000 | $120,000 |
| Application Approved But Not Accepted | 2 | $503,000 | $251,000 | $435,000 | $111,000 | $125,000 |
| Application Denied By Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $22,000 | $22,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 1 | $85,000 | $85,000 | $85,000 | $22,000 | $22,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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