In 2018, lenders reported 2,848 mortgage applications in Kauai County, HI totaling $1.2 billion, up 24% from 2017. The average application was for $436,000, and applicants reported an average income of $187,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was American Savings Bank, with 391 applications, followed by First Hawaiian Bank and Bank of Hawaii.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,848 |
| Total Mortgage Loan Application Amount | $1,243,940,000 |
| Average Mortgage Loan Application Amount | $436,000 |
| Highest Mortgage Loan Application Amount | $11,265,000 |
| Average Applicant Income | $187,000 |
| Highest Applicant Income | $9,901,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Savings Bank P O BOX 2300 HONOLULU, HI 96804 |
* | $ 6,798,659,000 | 391 | $ 105,135,000 |
| First Hawaiian Bank 2339 KAMEHAMEHA HWY HONOLULU, HI 96819 |
* | $ 20,552,225,000 | 343 | $ 124,745,000 |
| Bank of Hawaii 130 MERCHANT ST SUITE 270 HONOLULU, HI 96813 |
* | $ 17,061,704,000 | 342 | $ 115,000,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 160 | $ 85,800,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 105 | $ 44,245,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 101 | $ 47,245,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 94 | $ 41,030,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ -1,000 | 84 | $ 41,930,000 |
| Central Pacific Bank P.O. BOX 3590 HONOLULU, HI 96813 |
* | $ 5,613,751,000 | 65 | $ 18,605,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 64 | $ 68,440,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 57 | $ 26,035,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 56 | $ 26,720,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 36 | $ 28,440,000 |
| Finance Factors Limited 1164 BISHOP STREET, SUITE 300 HONOLULU, HI 96813 |
* | $ 566,373,000 | 35 | $ 17,025,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 32 | $ 16,710,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 31 | $ 15,335,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 30 | $ 38,410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 28 | $ 12,850,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 24 | $ 9,980,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,700,442,000 | 23 | $ 10,595,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 23 | $ 9,435,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 22 | $ 8,410,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 20 | $ 11,120,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 20 | $ 7,850,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 19 | $ 6,385,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 18 | $ 6,590,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 16 | $ 2,720,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 15 | $ 4,835,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 14 | $ 1,000,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 14 | $ 6,710,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 14 | $ 6,940,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 14 | $ 7,180,000 |
| Hawaii State Federal Credit Union 560 HALEKAUWILA STREET HONOLULU, HI 96813 |
* | $ 1,536,742,000 | 14 | $ 2,940,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 14 | $ 5,850,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 13 | $ 5,975,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 12 | $ 5,550,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 12 | $ 5,900,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 12 | $ 6,130,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 12 | $ 4,870,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 12 | $ 5,260,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 11 | $ 4,685,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 4,320,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 10 | $ 3,540,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 47,934,212,000 | 9 | $ 17,885,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 87,780,507,000 | 8 | $ 16,160,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 53,495,452,000 | 8 | $ 9,950,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 3,280,000 |
| Honolulu Homeloans, Inc. 745 FORT STREET HONOLULU, HI 96813 |
* | $ -1,000 | 8 | $ 2,710,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 6 | $ 2,260,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 6 | $ 2,720,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 2,190,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,908,994,000 | 5 | $ 4,605,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 5 | $ 2,415,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 5 | $ 1,965,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 5 | $ 2,285,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 198,592,000,000 | 5 | $ 2,355,000 |
| International City Mortgage, Inc. 333 S ANITA DR, STE 300 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 2,585,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 4 | $ 2,720,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 4 | $ 1,140,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 4 | $ 2,410,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 4 | $ 1,950,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 4 | $ 1,660,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 4 | $ 1,150,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 4 | $ 2,390,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 3,610,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 785,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 3 | $ 975,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 3 | $ 1,015,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 905,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 3,163,380,000 | 3 | $ 2,445,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 3 | $ 1,965,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 905,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 3 | $ 485,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,364,710,000 | 3 | $ 1,945,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 3 | $ 1,265,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 2 | $ 790,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 510,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 15,286,549,000 | 2 | $ 910,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 1,190,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 2 | $ 1,030,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 850,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 790,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 670,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 2 | $ 870,000 |
| Hightechlending, Inc 2030 MAIN ST 350 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 830,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,564,075,000 | 2 | $ 1,150,000 |
| First Utah Bank 3826 S 2300 E SALT LAKE CITY, UT 84109 |
* | $ 336,360,000 | 2 | $ 1,190,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 990,000 |
| Compass Home Loans, LLC 1357 KAPIOLANI BLVD SUITE 1450 WILMINGTON, DE 96816 |
* | $ -1,000 | 2 | $ 810,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 690,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 1,110,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 2 | $ 890,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 530,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 2 | $ 890,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 860,000 |
| Maui County Federal Credit Union 1888 WILI PA LOOP WAILUKU, HI 96793 |
* | $ 317,169,000 | 2 | $ 340,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 2 | $ 1,660,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 1,030,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 2 | $ 110,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 21,557,938,000 | 2 | $ 1,930,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 1,590,000 |
| Territorial Savings Bank PO BOX 1481 HONOLULU, HI 96806 |
* | $ 2,003,752,000 | 1 | $ 345,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 715,005,000 | 1 | $ 605,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 9,696,344,000 | 1 | $ 45,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 954,308,000 | 1 | $ 1,325,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 295,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 575,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 445,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 775,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 25,711,323,000 | 1 | $ 605,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 1 | $ 275,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 6,681,526,000 | 1 | $ 255,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 251,259,000 | 1 | $ 235,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 23,949,542,000 | 1 | $ 4,845,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 95,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 305,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,510,197,000 | 1 | $ 275,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 345,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 445,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 65,127,000,000 | 1 | $ 455,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 1 | $ 635,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 1 | $ 485,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 315,000 |
| Firefighters First Federal Credit Union 815 COLORADO BLVD PASADENA, CA 91105 |
* | $ 1,258,677,000 | 1 | $ 135,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 415,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 12,705,766,000 | 1 | $ 665,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 718,393,000 | 1 | $ 515,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 1 | $ 505,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 2,123,382,000 | 1 | $ 955,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 1,105,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 1 | $ 475,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 105,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 40,746,561,000 | 1 | $ 775,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ 2,627,659,000 | 1 | $ 275,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 315,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 968,347,000 | 1 | $ 715,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 180,371,724,000 | 1 | $ 675,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 1 | $ 695,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 2,856,018,000 | 1 | $ 545,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 955,028,000 | 1 | $ 325,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 1 | $ 1,345,000 |
The tables below break down 2018 mortgage applications in Kauai County, HI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 1,223 | $655,025,000 | $535,000 | $7,205,000 | $242,000 | $9,901,000 |
| Refinancing | 524 | $215,120,000 | $410,000 | $11,265,000 | $145,000 | $1,990,000 |
| Cash-out Refinancing | 473 | $204,795,000 | $432,000 | $8,005,000 | $118,000 | $2,264,000 |
| Home Improvement | 355 | $68,455,000 | $192,000 | $1,005,000 | $136,000 | $2,604,000 |
| Other Purpose | 254 | $94,340,000 | $371,000 | $10,005,000 | $210,000 | $5,571,000 |
| Not Applicable | 19 | $6,205,000 | $326,000 | $865,000 | $68,000 | $104,000 |
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 | 1,296 | $613,710,000 | $473,000 | $5,855,000 | $240,000 | $9,901,000 |
| Asian | 585 | $198,795,000 | $339,000 | $1,275,000 | $123,000 | $1,990,000 |
| Not Provided | 428 | $179,910,000 | $420,000 | $8,005,000 | $177,000 | $2,687,000 |
| Native Hawaiian or Other Pacific Islander | 201 | $67,695,000 | $336,000 | $1,315,000 | $104,000 | $641,000 |
| Not applicable | 118 | $103,810,000 | $879,000 | $11,265,000 | $126,000 | $366,000 |
| Hispanic | 108 | $41,660,000 | $385,000 | $1,435,000 | $154,000 | $1,169,000 |
| American Indian or Alaskan Native | 21 | $8,195,000 | $390,000 | $725,000 | $131,000 | $357,000 |
| Black or African American | 12 | $6,150,000 | $512,000 | $1,505,000 | $89,000 | $136,000 |
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) | 2,472 | $1,076,750,000 | $435,000 | $11,265,000 | $198,000 | $9,901,000 |
| FHA-insured (Federal Housing Administration) | 207 | $86,395,000 | $417,000 | $725,000 | $93,000 | $335,000 |
| VA-guaranteed (Veterans Administration) | 132 | $63,360,000 | $480,000 | $1,085,000 | $102,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $17,435,000 | $471,000 | $995,000 | $100,000 | $211,000 |
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 | 1,591 | $709,245,000 | $445,000 | $11,265,000 | $184,000 | $4,363,000 |
| Application Denied By Financial Institution | 566 | $203,060,000 | $358,000 | $8,005,000 | $127,000 | $2,604,000 |
| Application Withdrawn By Applicant | 369 | $174,775,000 | $473,000 | $5,005,000 | $266,000 | $9,184,000 |
| Loan Purchased By The Institution | 171 | $78,855,000 | $461,000 | $1,255,000 | $164,000 | $1,264,000 |
| File Closed For Incompleteness | 93 | $49,685,000 | $534,000 | $10,005,000 | $177,000 | $907,000 |
| Application Approved But Not Accepted | 58 | $28,320,000 | $488,000 | $5,005,000 | $350,000 | $9,901,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,253 | $1,026,245,000 | $455,000 | $11,265,000 | $202,000 | $9,901,000 |
| Debt-To-Income Ratio | 267 | $105,805,000 | $396,000 | $5,855,000 | $105,000 | $1,388,000 |
| Collateral | 137 | $48,745,000 | $355,000 | $8,005,000 | $137,000 | $664,000 |
| Credit History | 82 | $18,870,000 | $230,000 | $755,000 | $144,000 | $2,604,000 |
| Credit Application Incomplete | 37 | $15,765,000 | $426,000 | $1,955,000 | $185,000 | $1,371,000 |
| Other | 35 | $15,125,000 | $432,000 | $1,705,000 | $205,000 | $960,000 |
| Unverifiable Information | 26 | $7,980,000 | $306,000 | $695,000 | $131,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,765,000 | $537,000 | $1,385,000 | $132,000 | $252,000 |
| Employment History | 4 | $1,640,000 | $410,000 | $475,000 | $87,000 | $106,000 |
| 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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