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 Cash Out Refi and Home Purchase loans. Aloha Pacific has a high proportion of conventional loans. Their top markets by origination volume include: Urban Honolulu, Las Vegas, Kapaa, Kahului, and Hilo 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 an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Aloha Pacific is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 |
|---|---|---|
| 30 Year Conventional Purchase | 5.90% | 4/22/24 |
| 30 Year Conventional Refi | 6.16% | 4/22/24 |
| 30 Year Cash-out Refi | 6.10% | 4/22/24 |
| 15 Year Conventional Purchase | 6.41% | 4/22/24 |
| 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
117Origination Dollar Volume (All Markets)
$55,975,000Awards
ALOHA PACIFIC - 2019
ALOHA PACIFIC is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 84 | $47,610,000 | $566,786 | $7,723 | 4.01% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 19 | $4,425,000 | $232,895 | $4,812 | 3.97% |
| Kapaa, HI (FHA|USDA|VA) | 11 | $2,775,000 | $252,273 | $2,094 | 3.91% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $9,606 | 3.75% |
| Hilo, HI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $660 | 4.40% |
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 |
|---|---|---|---|---|---|
| Conventional | 116 | $55,470,000 | $478,190 | $6,586 | 3.98% |
| HELOC | 1 | $505,000 | $505,000 | n/a | 5.75% |
For 2019, Aloha Pacific's most frequently originated type of loan was Conventional, with 116 originations. Their 2nd most popular type was HELOC, with 1 originations.
Loan Reason
For 2019, Aloha Pacific's most frequently cited loan purpose was Cash Out Refi, with 60 originations. The 2nd most popular reason was Home Purchase, with 36 originations.
Loan Duration/Length
For 2019, Aloha Pacific's most frequently cited loan duration was 30 Year, with 79 originations. The 2nd most popular length was 15 Year, with 21 originations.
Origination Fees/Closing Costs
Aloha Pacific's average total fees were $7,453, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 31 originations.
Interest Rates
During 2019, Aloha Pacific's average interest rate for loans was 3.74%, while their most frequently originated rate bucket for loans was 3-4%, with 83 originations.
Loan Sizing
2019 saw Aloha Pacific place emphasis on $200k-400k loans with 40 originations, totaling $11,790,000 in origination value.
Applicant Income
Aloha Pacific lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $150k-250k, with 23 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 20 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.51%
Aloha Pacific has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.45%
Aloha Pacific has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 815.18 | 1 | $175,000 | $175,000 |
| NA | 116 | $55,800,000 | $481,034 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 11 | $17,645,000 | $1,604,091 |
| Single Family (1-4 Units):Site-Built | 106 | $38,330,000 | $361,604 |