Aloha Pacific Mortgage Rates, Fees & Info
Honolulu, HILEI: 549300TT6197INLGZW29
Tax ID: 99-0073432
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Aloha Pacific is a smaller mortgage company specializing in Cash Out Refi and Refi loans. Aloha Pacific has a high 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 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.90% | 12/16/24 |
| 30 Year Conventional Refi | 6.16% | 12/16/24 |
| 30 Year Cash-out Refi | 6.10% | 12/16/24 |
| 15 Year Conventional Purchase | 6.41% | 12/16/24 |
| 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
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Aloha Pacific. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
313Origination Dollar Volume (All Markets)
$141,715,000Awards
ALOHA PACIFIC - 2021
ALOHA PACIFIC is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for ALOHA PACIFIC?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 273 | $127,575,000 | $467,308 | $6,040 | 2.65% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 19 | $5,045,000 | $265,526 | $4,263 | 3.11% |
| Kapaa, HI (FHA|USDA|VA) | 12 | $4,050,000 | $337,500 | $5,804 | 2.67% |
| Hilo, HI (FHA|USDA|VA) | 5 | $3,415,000 | $683,000 | $4,915 | 3.13% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $4,996 | 2.50% |
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.
Similarity Rank: 53
Similarity Rank: 204
Similarity Rank: 212
Similarity Rank: 332
Similarity Rank: 404
Similarity Rank: 420
Similarity Rank: 424
Similarity Rank: 504
Similarity Rank: 520
Similarity Rank: 704
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 313 | $141,715,000 | $452,764 | $5,909 | 2.68% |
For 2021, Aloha Pacific's most frequently originated type of loan was Conventional, with 313 originations.
Loan Reason
For 2021, Aloha Pacific's most frequently cited loan purpose was Cash Out Refi, with 187 originations. The 2nd most popular reason was Refi, with 95 originations.
Loan Duration/Length
For 2021, Aloha Pacific's most frequently cited loan duration was 30 Year, with 243 originations. The 2nd most popular length was 15 Year, with 54 originations.
Origination Fees/Closing Costs
Aloha Pacific's average total fees were $6,145, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 77 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 148 | $57,660,000 | $389,595 |
| 2.5-3% | 132 | $67,700,000 | $512,879 |
| 3-4% | 29 | $16,005,000 | $551,897 |
| 5-6% | 4 | $350,000 | $87,500 |
During 2021, Aloha Pacific's average interest rate for loans was 2.72%, while their most frequently originated rate bucket for loans was <2.5%, with 148 originations.
Loan Sizing
2021 saw Aloha Pacific place emphasis on $200k-400k loans with 119 originations, totaling $36,105,000 in origination value.
Applicant Income
Aloha Pacific lent most frequently to those with incomes in the $100k-150k range, with 110 originations. The second most popular income band? $75k-100k, with 56 originations.
Applicant Debt to Income Ratio
Aloha Pacific lent most frequently to those with DTI ratios of 20-30%, with 95 originations. The next most common DTI ratio? 30-36%, with 54 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 origination95.85%
Aloha Pacific has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 313 | $141,715,000 | $452,764 |