Hawaii National Bank Mortgage Rates, Fees & Info
Honolulu, HILEI: 549300CFZ6PC3YYDJQ89
Tax ID: 99-0104713
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Hawaii National Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Hawaii National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Hilo, Urban Honolulu, Kapaa, and Kahului among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Hawaii National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
20Origination Dollar Volume (All Markets)
$22,600,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Hilo, HI (FHA|USDA|VA) | 4 | $8,760,000 | $2,190,000 | $0 | 0.00% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 13 | $7,415,000 | $570,385 | $0 | 0.00% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 0.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $2,420,000 | $1,210,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 20 | $22,600,000 | $1,130,000 | $0 | 0.00% |
For 2023, Hawaii National Bank's most frequently originated type of loan was Conventional, with 20 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 11 | $10,975,000 | $997,727 | $0 | 0.00% |
| Cash Out Refi | 8 | $10,020,000 | $1,252,500 | $0 | 0.00% |
| Refi | 1 | $1,605,000 | $1,605,000 | $0 | 0.00% |
For 2023, Hawaii National Bank's most frequently cited loan purpose was Home Purchase, with 11 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 20 | $22,600,000 | $1,130,000 | $0 | 0.00% |
For 2023, Hawaii National Bank's most frequently cited loan duration was Other, with 20 originations.
Loan Sizing
2023 saw Hawaii National Bank place emphasis on $600k-1MM loans with 8 originations, totaling $6,330,000 in origination value.
Applicant Income
Hawaii National Bank lent most frequently to those with incomes in the $250k+ range, with 10 originations. The second most popular income band? $100k-150k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 20 | $22,600,000 | $1,130,000 | $0 | 0.00% |
Hawaii National Bank lent most frequently to those with DTI ratios of Exempt%, with 20 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Hawaii National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination70.00%
Hawaii National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 20 | $22,600,000 | $1,130,000 |