Northstar Alliance Inc Mortgage Lending & HMDA Data, 2009
In 2009, Northstar Alliance Inc of Honolulu, HI reported 698 mortgage applications totaling $226.4 million, up 7% from 2008. The average application was for $324,378, and applicants reported an average income of $96,773. 30% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Honolulu, HI (255), Newark-Union, NJ-PA (64) and Denver-Aurora-Broomfield, CO (54) (applications in parentheses).
| Mortgage Company & Address | Northstar Alliance Inc 333 Queen St Suite 700 Honolulu, HI 96813 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 |
| Total Number of Mortgage Applications | 698 |
| Total Mortgage Loan Application Amount | $226,416,000 |
| Average Mortgage Loan Application Amount | $324,378 |
| Highest Mortgage Loan Application Amount | $1,203,000 |
| Average Applicant Income | $96,773 |
| Highest Applicant Income | $818,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northstar Alliance Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Honolulu, Hawaii | 255 | $ 101,974,000 | $ 399,898 | $ 101,000 |
| Hawaii, Hawaii | 36 | $ 12,903,000 | $ 358,416 | $ 105,000 |
| King, Washington | 28 | $ 8,849,000 | $ 316,035 | $ 102,000 |
| Essex, New Jersey | 27 | $ 7,641,000 | $ 283,000 | $ 92,000 |
| Atlantic, New Jersey | 22 | $ 4,415,000 | $ 200,681 | $ 68,000 |
| Ocean, New Jersey | 22 | $ 5,254,000 | $ 238,818 | $ 96,000 |
| El Paso, Colorado | 21 | $ 5,901,000 | $ 281,000 | $ 83,000 |
| Bergen, New Jersey | 21 | $ 6,573,000 | $ 313,000 | $ 98,000 |
| Hudson, New Jersey | 19 | $ 5,895,000 | $ 310,263 | $ 98,000 |
| Denver, Colorado | 18 | $ 3,792,000 | $ 210,666 | $ 89,000 |
| Union, New Jersey | 17 | $ 4,902,000 | $ 288,352 | $ 84,000 |
| Larimer, Colorado | 16 | $ 4,810,000 | $ 300,625 | $ 122,000 |
| Arapahoe, Colorado | 15 | $ 3,866,000 | $ 257,733 | $ 111,000 |
| Camden, New Jersey | 12 | $ 2,785,000 | $ 232,083 | $ 97,000 |
| Morris, New Jersey | 12 | $ 3,962,000 | $ 330,166 | $ 98,000 |
| Middlesex, New Jersey | 11 | $ 3,314,000 | $ 301,272 | $ 96,000 |
| Boulder, Colorado | 10 | $ 2,786,000 | $ 278,600 | $ 163,000 |
| Snohomish, Washington | 9 | $ 2,468,000 | $ 274,222 | $ 76,000 |
| Teller, Colorado | 8 | $ 1,823,000 | $ 227,875 | $ 93,000 |
| Kauai, Hawaii | 8 | $ 3,294,000 | $ 411,750 | $ 96,000 |
| Gloucester, New Jersey | 8 | $ 1,751,000 | $ 218,875 | $ 50,000 |
| Passaic, New Jersey | 8 | $ 2,001,000 | $ 250,125 | $ 76,000 |
| Douglas, Colorado | 7 | $ 2,636,000 | $ 376,571 | $ 141,000 |
| Jefferson, Colorado | 7 | $ 1,961,000 | $ 280,142 | $ 97,000 |
| Maui, Hawaii | 7 | $ 2,107,000 | $ 301,000 | $ 56,000 |
| Somerset, New Jersey | 7 | $ 2,889,000 | $ 412,714 | $ 142,000 |
| Sussex, New Jersey | 7 | $ 1,416,000 | $ 202,285 | $ 110,000 |
| Burlington, New Jersey | 5 | $ 1,142,000 | $ 228,400 | $ 79,000 |
| Monmouth, New Jersey | 5 | $ 1,404,000 | $ 280,800 | $ 89,000 |
| Adams, Colorado | 4 | $ 873,000 | $ 218,250 | $ 58,000 |
| Weld, Colorado | 4 | $ 1,517,000 | $ 379,250 | $ 236,000 |
| Mercer, New Jersey | 3 | $ 594,000 | $ 198,000 | $ 43,000 |
| Deschutes, Oregon | 3 | $ 704,000 | $ 234,666 | $ 50,000 |
| Lane, Oregon | 3 | $ 507,000 | $ 169,000 | $ 50,000 |
| Island, Washington | 3 | $ 857,000 | $ 285,666 | $ 100,000 |
| Fremont, Colorado | 2 | $ 710,000 | $ 355,000 | $ 96,000 |
| Park, Colorado | 2 | $ 419,000 | $ 209,500 | $ 56,000 |
| Pueblo, Colorado | 2 | $ 297,000 | $ 148,500 | $ 12,000 |
| Summit, Colorado | 2 | $ 378,000 | $ 189,000 | $ 51,000 |
| Jefferson, Oregon | 2 | $ 347,000 | $ 173,500 | $ 29,000 |
| Thurston, Washington | 2 | $ 495,000 | $ 247,500 | $ 82,000 |
| Alamosa, Colorado | 1 | $ 272,000 | $ 272,000 | $ 78,000 |
| Clear Creek, Colorado | 1 | $ 202,000 | $ 202,000 | $ 51,000 |
| Eagle, Colorado | 1 | $ 571,000 | $ 571,000 | $ 135,000 |
| Garfield, Colorado | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Grand, Colorado | 1 | $ 380,000 | $ 380,000 | $ 237,000 |
| Mesa, Colorado | 1 | $ 196,000 | $ 196,000 | $ 0 |
| San Miguel, Colorado | 1 | $ 370,000 | $ 370,000 | $ 110,000 |
| Cape May, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Hunterdon, New Jersey | 1 | $ 371,000 | $ 371,000 | $ 102,000 |
| Salem, New Jersey | 1 | $ 170,000 | $ 170,000 | $ 58,000 |
| Benton, Oregon | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Crook, Oregon | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Jackson, Oregon | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| Lake, Oregon | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Kitsap, Washington | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Kittitas, Washington | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| Pierce, Washington | 1 | $ 298,000 | $ 298,000 | $ 121,000 |
| Skagit, Washington | 1 | $ 385,000 | $ 385,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Northstar Alliance Inc in 2009
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 | 504 | $167,263,000 | $331,000 | $1,203,000 | $99,000 | $818,000 |
| Home Purchase | 192 | $58,441,000 | $304,000 | $1,041,000 | $91,000 | $452,000 |
| Home Improvement | 2 | $712,000 | $356,000 | $412,000 | $90,000 | $112,000 |
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 | 364 | $111,476,000 | $306,000 | $1,203,000 | $101,000 | $818,000 |
| Asian | 181 | $65,537,000 | $362,000 | $850,000 | $97,000 | $519,000 |
| Hispanic | 42 | $12,146,000 | $289,000 | $598,000 | $78,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 39 | $15,697,000 | $402,000 | $634,000 | $95,000 | $172,000 |
| Black or African American | 37 | $10,969,000 | $296,000 | $1,041,000 | $80,000 | $210,000 |
| Not Provided | 34 | $10,191,000 | $299,000 | $626,000 | $88,000 | $282,000 |
| American Indian or Alaskan Native | 1 | $400,000 | $400,000 | $400,000 | $90,000 | $90,000 |
| Not applicable | 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) | 480 | $161,594,000 | $336,000 | $1,203,000 | $107,000 | $818,000 |
| FHA-insured (Federal Housing Administration) | 144 | $37,747,000 | $262,000 | $571,000 | $70,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 54 | $23,325,000 | $431,000 | $1,041,000 | $96,000 | $256,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,750,000 | $187,000 | $386,000 | $53,000 | $82,000 |
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 | 209 | $69,493,000 | $332,000 | $736,000 | $100,000 | $679,000 |
| Application Denied By Financial Institution | 172 | $54,088,000 | $314,000 | $1,203,000 | $89,000 | $818,000 |
| Application Approved But Not Accepted | 150 | $45,854,000 | $305,000 | $657,000 | $102,000 | $355,000 |
| Application Withdrawn By Applicant | 99 | $30,877,000 | $311,000 | $990,000 | $84,000 | $330,000 |
| File Closed For Incompleteness | 68 | $26,104,000 | $383,000 | $1,041,000 | $110,000 | $519,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 44 | $12,703,000 | $288,000 | $626,000 | $70,000 | $295,000 |
| Collateral | 32 | $10,295,000 | $321,000 | $567,000 | $90,000 | $282,000 |
| Credit History | 22 | $6,705,000 | $304,000 | $700,000 | $87,000 | $213,000 |
| Unverifiable Information | 9 | $2,892,000 | $321,000 | $477,000 | $90,000 | $138,000 |
| Other | 7 | $1,848,000 | $264,000 | $333,000 | $97,000 | $125,000 |
| Employment History | 2 | $609,000 | $304,000 | $400,000 | $37,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $188,000 | $188,000 | $188,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northstar Alliance Inc's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Northstar Alliance Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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