Hawaii National Bank Mortgage Rates, Fees & Info

Honolulu, HI

LEI: 549300CFZ6PC3YYDJQ89

Tax ID: 99-0104713

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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

20

Origination Dollar Volume (All Markets)

$22,600,000

Top 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%
Hawaii National Bank's top markets include Hilo, Urban Honolulu, Kapaa, and Kahului among others.

Their top states include:
  • Hawaii (FHA|USDA|VA)
  • 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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 8 $6,330,000 $791,250 $0 0.00%
    $1MM+ 5 $14,305,000 $2,861,000 $0 0.00%
    $200k-400k 4 $1,150,000 $287,500 $0 0.00%
    $100k-200k 2 $330,000 $165,000 $0 0.00%
    $400k-600k 1 $485,000 $485,000 $0 0.00%

    2023 saw Hawaii National Bank place emphasis on $600k-1MM loans with 8 originations, totaling $6,330,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 10 $14,100,000 $1,410,000 $0 0.00%
    $100k-150k 3 $595,000 $198,333 $0 0.00%
    $150k-250k 3 $1,175,000 $391,667 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5 $13,135,000 $2,627,000 $0 0.00%
    Asian 10 $5,550,000 $555,000 $0 0.00%
    Chinese 3 $2,085,000 $695,000 $0 0.00%
    Not applicable 2 $1,830,000 $915,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    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 origination
    70.00%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    20 $22,600,000 $1,130,000