Kauai County, HI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,588 mortgage applications in Kauai County, HI totaling $988.1 million, down 4% from 2023. The average application was for $622,000, and applicants reported an average income of $288,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was First Hawaiian Bank, with 181 applications, followed by Bank of Hawaii and American Savings Bank.
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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 | 1,588 |
| Total Mortgage Loan Application Amount | $988,130,000 |
| Average Mortgage Loan Application Amount | $622,000 |
| Highest Mortgage Loan Application Amount | $22,005,000 |
| Average Applicant Income | $288,000 |
| Highest Applicant Income | $6,138,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Hawaiian Bank 2339 KAMEHAMEHA HWY HONOLULU, HI 96819 |
* | $ n/a | 181 | $ 68,075,000 |
| Bank of Hawaii 130 MERCHANT ST SUITE 270 HONOLULU, HI 96813 |
* | $ n/a | 136 | $ 92,050,000 |
| American Savings Bank P O BOX 2300 HONOLULU, HI 96804 |
* | $ n/a | 92 | $ 39,440,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 86 | $ 44,150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 79 | $ 68,205,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 55 | $ 43,155,000 |
| Hawaiiusa FCU 1538 KAPIOLANI BLVD #105 HONOLULU, HI 96817 |
* | $ n/a | 52 | $ 16,920,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 43 | $ 25,165,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 43 | $ 36,015,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 41 | $ 23,695,000 |
| Central Pacific Bank P.O. BOX 3590 HONOLULU, HI 96813 |
* | $ n/a | 35 | $ 15,185,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 35 | $ 10,065,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 31 | $ 4,415,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 30 | $ 21,270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 28 | $ 13,980,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 26 | $ 24,990,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 26 | $ 15,040,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 20 | $ 6,450,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 18 | $ 18,740,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 17 | $ 16,145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 15 | $ 11,455,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 14 | $ 8,780,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 14 | $ 16,020,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 13 | $ 14,815,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 12 | $ 5,640,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 3,285,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ n/a | 10 | $ 6,670,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 10 | $ 11,160,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 3,515,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 9 | $ 4,065,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 9 | $ 6,275,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 9 | $ 3,835,000 |
| Pacific Home Loans, Inc. 2395 S KIHEI RD #205 KIHEI, HI 96753 |
* | $ n/a | 9 | $ 6,655,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 9 | $ 8,755,000 |
| Aloha Pacific Federal Credit Union 832 SOUTH HOTEL STREET HONOLULU, HI 96816 |
* | $ n/a | 8 | $ 1,150,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 8 | $ 5,100,000 |
| Hawaii State Federal Credit Union 560 HALEKAUWILA STREET HONOLULU, HI 96813 |
* | $ n/a | 7 | $ 2,945,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 4,755,000 |
| Fundloans Capital 12481 HIGH BLUFF DR STE 150 SAN DIEGO, CA 92130 |
* | $ n/a | 7 | $ 6,035,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 3,595,000 |
| Conventus Lending LLC 111 POTRERO AVE SAN FRANCISCO, CA 94104 |
* | $ n/a | 7 | $ 4,245,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 6 | $ 5,010,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 6 | $ 5,780,000 |
| Griffin Funding Inc. 2445 5TH AVE SUITE 401 SAN DIEGO, CA 92101 |
* | $ n/a | 6 | $ 4,370,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 6 | $ 5,100,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 6 | $ 1,710,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 6 | $ 3,000,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 6 | $ 3,690,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 6 | $ 5,810,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 5 | $ 2,465,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 5 | $ 8,945,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 5 | $ 1,365,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 5 | $ 8,275,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 5 | $ 6,285,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 5 | $ 4,815,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 3,920,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 3,030,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 4 | $ 6,250,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 4 | $ 6,970,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 4 | $ 3,470,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 4 | $ 2,430,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 4 | $ 3,390,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 2,300,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 3 | $ 1,995,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 2,295,000 |
| Hightechlending, Inc 2030 MAIN ST 350 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 1,535,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 405,000 |
| Lokahi Federal Credit Union PO BOX 30025 HONOLULU, HI 96820 |
* | $ n/a | 3 | $ 705,000 |
| Hawaiian Financial Federal Credit Union 1138 NORTH KING STREET HONOLULU, HI 96817 |
* | $ n/a | 3 | $ 2,065,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 3 | $ 1,425,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 3 | $ 1,155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 1,755,000 |
| Finance Factors Limited 1164 BISHOP STREET, SUITE 300 HONOLULU, HI 96813 |
* | $ n/a | 3 | $ 1,245,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 3 | $ 2,585,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 2,185,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 3 | $ 3,115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 3 | $ 2,695,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ n/a | 2 | $ 3,510,000 |
| Equity Wave Lending, Inc. 2355 MAIN ST #230 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 1,940,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 2,220,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 2,880,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ n/a | 2 | $ 2,510,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 1,560,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 2,090,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 1,250,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 1,640,000 |
| Churchill Funding I LLC 3220 WILKINSON BLVD UNIT A4 CHARLOTTE, NC 28203 |
* | $ n/a | 2 | $ 9,180,000 |
| Aaa Capital Investment, Inc 41 E LIVE OAK AVE ARCADIA, CA 91006 |
* | $ n/a | 2 | $ 1,740,000 |
| Academy Bank, N.A. 8551 NORTH BOARDWALK AVE KANSAS CITY, MO 64106 |
* | $ n/a | 2 | $ 2,190,000 |
| Territorial Savings Bank PO BOX 1481 HONOLULU, HI 96806 |
* | $ n/a | 2 | $ 900,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 2,470,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 880,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 2 | $ 510,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 2 | $ 780,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 2 | $ 620,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 2,610,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 2 | $ 1,970,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 1 | $ 1,455,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ n/a | 1 | $ 1,425,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 1,835,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ n/a | 1 | $ 425,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 2,275,000 |
| Colorado Federal Savings Bank 8400 E PRENTICE AVE STE 840 ENGLEWOOD, CO 80111 |
* | $ n/a | 1 | $ 755,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 405,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 265,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 1,525,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 105,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 105,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ n/a | 1 | $ 1,105,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 725,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 865,000 |
| Fidelity Lending Solutions Inc 2650 E. IMPERIAL HWY. SUITE 110 BREA, CA 92821 |
* | $ n/a | 1 | $ 1,005,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 1 | $ 505,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 1,235,000 |
| New Wave Lending Group Inc 17700 CASTLETON ST. #268 CITY OF INDUSTRY, CA 91748 |
* | $ n/a | 1 | $ 745,000 |
| Jmj Financial Group Inc. 26800 ALISO VIEJO PARKWAY STE 200 ALISO VIEJO, CA 92656 |
* | $ n/a | 1 | $ 155,000 |
| Ameritrust Mortgage Corporation FLOWER MOUND, TX 75022 |
* | $ n/a | 1 | $ 2,245,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ n/a | 1 | $ 465,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 1 | $ 615,000 |
| Home Mortgage Alliance Corp (Hmac) 4 HUTTON CENTER DR. SUITE 500 SANTA ANA, CA 92707 |
* | $ n/a | 1 | $ 345,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 705,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 565,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 1,565,000 |
| Desert Financial Credit Union 148 N. 48TH ST. PHOENIX, AZ 85034 |
* | $ n/a | 1 | $ 175,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ n/a | 1 | $ 405,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 405,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 2,005,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 245,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 945,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 845,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 2,945,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ n/a | 1 | $ 1,105,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ n/a | 1 | $ 1,005,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 685,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 1 | $ 505,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 1,935,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 705,000 |
The tables below break down 2024 mortgage applications in Kauai 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 Kauai County, 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 | 648 | $558,720,000 | $862,000 | $22,005,000 | $400,000 | $6,138,000 |
| Cash-out Refinancing | 297 | $165,615,000 | $557,000 | $3,535,000 | $207,000 | $2,925,000 |
| Other Purpose | 227 | $73,945,000 | $325,000 | $3,705,000 | $218,000 | $2,953,000 |
| Refinancing | 215 | $135,075,000 | $628,000 | $7,605,000 | $229,000 | $5,400,000 |
| Home Improvement | 196 | $49,320,000 | $251,000 | $1,505,000 | $196,000 | $1,980,000 |
| Not Applicable | 5 | $5,455,000 | $1,091,000 | $2,555,000 | $1,157,000 | $1,157,000 |
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 | 642 | $400,990,000 | $624,000 | $5,005,000 | $306,000 | $6,138,000 |
| Asian | 356 | $171,000,000 | $480,000 | $3,535,000 | $296,000 | $4,746,000 |
| Not Provided | 301 | $212,735,000 | $706,000 | $2,945,000 | $313,000 | $2,953,000 |
| Native Hawaiian or Other Pacific Islander | 110 | $40,770,000 | $370,000 | $1,175,000 | $139,000 | $376,000 |
| Hispanic | 83 | $40,555,000 | $488,000 | $2,085,000 | $220,000 | $1,541,000 |
| Not applicable | 69 | $103,545,000 | $1,500,000 | $22,005,000 | $248,000 | $248,000 |
| American Indian or Alaskan Native | 14 | $8,280,000 | $591,000 | $2,005,000 | $227,000 | $1,094,000 |
| Black or African American | 13 | $10,255,000 | $788,000 | $1,725,000 | $432,000 | $2,245,000 |
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) | 1,407 | $864,715,000 | $614,000 | $22,005,000 | $304,000 | $6,138,000 |
| FHA-insured (Federal Housing Administration) | 106 | $57,140,000 | $539,000 | $1,045,000 | $137,000 | $563,000 |
| VA-guaranteed (Veterans Administration) | 72 | $65,250,000 | $906,000 | $2,105,000 | $168,000 | $649,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,025,000 | $341,000 | $445,000 | $139,000 | $139,000 |
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 | 789 | $540,925,000 | $685,000 | $22,005,000 | $330,000 | $6,138,000 |
| Application Denied By Financial Institution | 387 | $161,795,000 | $418,000 | $3,005,000 | $189,000 | $2,091,000 |
| Application Withdrawn By Applicant | 244 | $171,430,000 | $702,000 | $3,795,000 | $284,000 | $3,227,000 |
| File Closed For Incompleteness | 68 | $32,030,000 | $471,000 | $2,085,000 | $311,000 | $5,400,000 |
| Loan Purchased By The Institution | 56 | $41,350,000 | $738,000 | $4,955,000 | $248,000 | $248,000 |
| Application Approved But Not Accepted | 43 | $39,625,000 | $921,000 | $5,005,000 | $418,000 | $2,560,000 |
| Preapproval Approved but not Accepted | 1 | $975,000 | $975,000 | $975,000 | $298,000 | $298,000 |
| 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 | 1,199 | $825,315,000 | $688,000 | $22,005,000 | $323,000 | $6,138,000 |
| Debt-To-Income Ratio | 155 | $51,605,000 | $332,000 | $2,005,000 | $117,000 | $536,000 |
| Collateral | 92 | $43,640,000 | $474,000 | $2,555,000 | $286,000 | $2,091,000 |
| Credit History | 60 | $26,480,000 | $441,000 | $3,005,000 | $200,000 | $1,860,000 |
| Credit Application Incomplete | 39 | $15,835,000 | $406,000 | $1,565,000 | $158,000 | $400,000 |
| Other | 22 | $10,890,000 | $495,000 | $1,185,000 | $191,000 | $534,000 |
| Unverifiable Information | 14 | $7,780,000 | $555,000 | $1,445,000 | $169,000 | $358,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $6,180,000 | $1,030,000 | $1,875,000 | $738,000 | $1,945,000 |
| Employment History | 1 | $405,000 | $405,000 | $405,000 | $113,000 | $113,000 |
| 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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