Wells Fargo Home Mortg Hawaii Mortgage Lending & HMDA Data, 2005
In 2005, Wells Fargo Home Mortg Hawaii of Minneapolis, MN reported 1,907 mortgage applications totaling $659.3 million. The average application was for $345,704, and applicants reported an average income of $131,285. 91% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Honolulu, HI (1,381), Las Vegas-Paradise, NV (7) and Oakland-Fremont-Hayward, CA (6) (applications in parentheses).
| Mortgage Company & Address | Wells Fargo Home Mortg Hawaii 2701 Wells Fargo Way, Mac X9902-01r Minneapolis, MN 55467 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 1,907 |
| Total Mortgage Loan Application Amount | $659,259,000 |
| Average Mortgage Loan Application Amount | $345,704 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $131,285 |
| Highest Applicant Income | $1,270,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wells Fargo Home Mortg Hawaii filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,381 | $ 453,853,000 | $ 328,640 | $ 103,000 |
| Maui, Hawaii | 317 | $ 133,011,000 | $ 419,593 | $ 138,000 |
| Hawaii, Hawaii | 96 | $ 31,201,000 | $ 325,010 | $ 122,000 |
| Kauai, Hawaii | 44 | $ 19,781,000 | $ 449,568 | $ 183,000 |
| Clark, Nevada | 7 | $ 1,696,000 | $ 242,285 | $ 159,000 |
| Maricopa, Arizona | 4 | $ 1,287,000 | $ 321,750 | $ 141,000 |
| Los Angeles, California | 4 | $ 1,198,000 | $ 299,500 | $ 111,000 |
| King, Washington | 4 | $ 1,470,000 | $ 367,500 | $ 187,000 |
| Alameda, California | 3 | $ 1,126,000 | $ 375,333 | $ 193,000 |
| Contra Costa, California | 3 | $ 777,000 | $ 259,000 | $ 168,000 |
| Orange, California | 3 | $ 965,000 | $ 321,666 | $ 95,000 |
| Santa Clara, California | 3 | $ 1,988,000 | $ 662,666 | $ 273,000 |
| Marin, California | 2 | $ 594,000 | $ 297,000 | $ 142,000 |
| Sacramento, California | 2 | $ 729,000 | $ 364,500 | $ 165,000 |
| Jackson, Oregon | 2 | $ 393,000 | $ 196,500 | $ 146,000 |
| Washington, Oregon | 2 | $ 308,000 | $ 154,000 | $ 92,000 |
| Virginia Beach, Virginia | 2 | $ 840,000 | $ 420,000 | $ 76,000 |
| Kitsap, Washington | 2 | $ 676,000 | $ 338,000 | $ 334,000 |
| Spokane, Washington | 2 | $ 338,000 | $ 169,000 | $ 121,000 |
| Butte, California | 1 | $ 137,000 | $ 137,000 | $ 35,000 |
| Humboldt, California | 1 | $ 359,000 | $ 359,000 | $ 138,000 |
| Monterey, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 585,000 |
| Riverside, California | 1 | $ 268,000 | $ 268,000 | $ 63,000 |
| San Francisco, California | 1 | $ 360,000 | $ 360,000 | $ 127,000 |
| Sonoma, California | 1 | $ 476,000 | $ 476,000 | $ 120,000 |
| Yolo, California | 1 | $ 120,000 | $ 120,000 | $ 21,000 |
| Routt, Colorado | 1 | $ 78,000 | $ 78,000 | $ 210,000 |
| District of Columbia, District Of Columbia | 1 | $ 343,000 | $ 343,000 | $ 264,000 |
| Carroll, Maryland | 1 | $ 448,000 | $ 448,000 | $ 132,000 |
| Gallatin, Montana | 1 | $ 207,000 | $ 207,000 | $ 78,000 |
| Washoe, Nevada | 1 | $ 299,000 | $ 299,000 | $ 144,000 |
| Camden, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Oklahoma, Oklahoma | 1 | $ 209,000 | $ 209,000 | $ 170,000 |
| Clackamas, Oregon | 1 | $ 748,000 | $ 748,000 | $ 749,000 |
| Deschutes, Oregon | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Multnomah, Oregon | 1 | $ 248,000 | $ 248,000 | $ 228,000 |
| Polk, Oregon | 1 | $ 130,000 | $ 130,000 | $ 168,000 |
| Brazos, Texas | 1 | $ 161,000 | $ 161,000 | $ 95,000 |
| Chesapeake, Virginia | 1 | $ 199,000 | $ 199,000 | $ 54,000 |
| Prince William, Virginia | 1 | $ 314,000 | $ 314,000 | $ 271,000 |
| Clark, Washington | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Pierce, Washington | 1 | $ 259,000 | $ 259,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Wells Fargo Home Mortg Hawaii 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 | 1,346 | $464,013,000 | $267,133 | $1,900,000 | $138,000 | $1,270,000 |
| Refinancing | 555 | $193,219,000 | $353,000 | $1,782,000 | $198,800 | $1,200,000 |
| Home Improvement | 6 | $2,027,000 | $337,000 | $440,000 | $68,000 | $95,000 |
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 | 980 | $361,143,000 | $270,307 | $1,900,000 | $146,769 | $1,270,000 |
| Asian | 588 | $183,414,000 | $308,200 | $1,159,000 | $151,400 | $605,000 |
| Not Provided | 116 | $41,119,000 | $312,500 | $1,050,000 | $159,500 | $612,000 |
| Native Hawaiian or Other Pacific Islander | 104 | $32,168,000 | $288,250 | $951,000 | $83,750 | $285,000 |
| Hispanic | 75 | $26,126,000 | $335,250 | $790,000 | $156,500 | $511,000 |
| Black or African American | 42 | $13,967,000 | $337,500 | $517,000 | $173,500 | $264,000 |
| American Indian or Alaskan Native | 2 | $1,322,000 | $661,000 | $878,000 | $257,000 | $384,000 |
| 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) | 1,828 | $631,312,000 | $264,466 | $1,900,000 | $144,333 | $1,270,000 |
| VA-guaranteed (Veterans Administration) | 70 | $25,016,000 | $357,000 | $539,000 | $88,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,931,000 | $325,000 | $468,000 | $73,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,740 | $597,592,000 | $273,714 | $1,900,000 | $151,785 | $1,270,000 |
| Application Approved But Not Accepted | 166 | $61,507,000 | $294,833 | $1,050,000 | $153,000 | $742,000 |
| Preapproval Approved but not Accepted | 1 | $160,000 | $160,000 | $160,000 | $51,000 | $51,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wells Fargo Home Mortg Hawaii's 2005 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 Wells Fargo Home Mortg Hawaii'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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