Aloha Pacific Mortgage Rates, Fees & Info
Honolulu, HILEI: 549300TT6197INLGZW29
Tax ID: 99-0073432
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Mortgage Data
Review & Overview
Aloha Pacific is a smaller mortgage company specializing in Refi and Home Improvement loans. Aloha Pacific has an average proportion of conventional loans. Their top markets by origination volume include: Urban Honolulu, Las Vegas, Kapaa, Hilo, and Kahului among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Aloha Pacific has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.97% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Aloha Pacific Mortgage Calculator
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Originations
146Origination Dollar Volume (All Markets)
$25,200,000Relative Rate
Aloha Pacific's average 30 year fixed mortgage rate was
6.84%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.29%.
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 |
|---|---|---|---|---|---|
| URBAN HONOLULU, HI (FHA|USDA|VA) | 125 | $22,255,000 | $178,040 | $0 | 6.81% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 14 | $2,130,000 | $152,143 | $0 | 7.02% |
| Kapaa, HI (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $0 | 7.19% |
| Hilo, HI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 7.19% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against ALOHA PACIFIC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 139 | $21,905,000 | $157,590 | n/a | 6.84% |
| Conventional | 7 | $3,295,000 | $470,714 | $0 | 0.00% |
For 2024, Aloha Pacific's most frequently originated type of loan was HELOC, with 139 originations. Their 2nd most popular type was Conventional, with 7 originations.
Loan Reason
For 2024, Aloha Pacific's most frequently cited loan purpose was Refi, with 49 originations. The 2nd most popular reason was Home Improvement, with 48 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 139 | $21,905,000 | $157,590 | $0 | 6.84% |
| Other | 7 | $3,295,000 | $470,714 | $0 | 0.00% |
For 2024, Aloha Pacific's most frequently cited loan duration was 30 Year, with 139 originations. The 2nd most popular length was Other, with 7 originations.
Interest Rates
During 2024, Aloha Pacific's average interest rate for loans was 6.84%, while their most frequently originated rate bucket for loans was 6-7%, with 80 originations.
Loan Sizing
2024 saw Aloha Pacific place emphasis on $100k-200k loans with 62 originations, totaling $8,320,000 in origination value.
Applicant Income
Aloha Pacific lent most frequently to those with incomes in the $150k-250k range, with 56 originations. The second most popular income band? $100k-150k, with 44 originations.
Applicant Debt to Income Ratio
Aloha Pacific lent most frequently to those with DTI ratios of 30-36%, with 25 originations. The next most common DTI ratio? 20-30%, with 21 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.46%
Aloha Pacific has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination73.29%
Aloha Pacific has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 7 | $3,295,000 | $470,714 |
| NA | 139 | $21,905,000 | $157,590 |