PlainLender

Pearl Hawaii FCU

WAIPAHU, HI

Pearl Hawaii FCU processed 45 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 19 loans with a 11.1% denial rate. Other was the primary loan purpose. Based in WAIPAHU, HI. The approval rate of 42.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Pearl Hawaii FCU's 42.2% origination rate tells you how often an application turned into funded money; the 11.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (45 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

45
Applications
19
Originated
11.1%
Denial Rate
$283,000
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 45 19 5 $283,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Pearl Hawaii FCU (LEI: 549300JD50LHLWMWPN92) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 15 5 $269,667
Refinancing 14 4 $313,571
Home Improvement 10 6 $204,000
Cash-out Refinancing 6 4 $376,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
Asian * 24 41.7% 16.7%
Native Hawaiian or Other Pacific Islander * 8 50.0% 0.0%
2 or more minority races * 7 28.6% 14.3%
Joint * 3 66.7% 0.0%
White * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 33 45.5% 12.1%
Hispanic or Latino * 7 28.6% 14.3%
Joint * 2 50.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in HI

Other HMDA-reporting lenders in HI with similar activity. Compare any two side-by-side.

Bank of Hawaii

Honolulu, HI

2,715 apps 1,212 originated 36.6% denied

First Hawaiian Bank

HONOLULU, HI

2,271 apps 1,256 originated 23.6% denied

American Savings Bank

HONOLULU, HI

1,879 apps 993 originated 37.3% denied

Hawaiiusa FCU

HONOLULU, HI

1,128 apps 417 originated 39.5% denied

Hawaii State Federal Credit Union

Honolulu, HI

1,084 apps 659 originated 27.6% denied
Compare Pearl Hawaii FCU vs Bank of Hawaii →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Pearl Hawaii FCU process?
Pearl Hawaii FCU processed 45 mortgage applications in the 2024 HMDA reporting year. Of these, 19 were originated (approved and funded), 21 were withdrawn by the applicant, and 5 were denied.
What is Pearl Hawaii FCU's mortgage approval rate?
Pearl Hawaii FCU has an approval (origination) rate of 42.2%, meaning 42.2% of all applications resulted in a funded mortgage. The denial rate is 11.1%.
What is the average loan amount at Pearl Hawaii FCU?
The average mortgage loan amount at Pearl Hawaii FCU is $283,000.
What types of mortgage loans does Pearl Hawaii FCU offer?
Pearl Hawaii FCU processes Conventional loans. The most common type is Conventional with 45 applications and an average loan amount of $283,000.
What loan purposes does Pearl Hawaii FCU serve?
Pearl Hawaii FCU serves the following loan purposes: Other (15 applications), Refinancing (14 applications), Home Improvement (10 applications), Cash-out Refinancing (6 applications). Other is the most common purpose.
Where is Pearl Hawaii FCU located?
Pearl Hawaii FCU is headquartered in WAIPAHU, HI. The lender is identified by LEI 549300JD50LHLWMWPN92 in HMDA data.
How does Pearl Hawaii FCU compare in lending across racial demographics?
Pearl Hawaii FCU reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 41.7% and denial rate of 16.7%; Native Hawaiian or Other Pacific Islander applicants have an approval rate of 50.0% and denial rate of 0.0%; 2 or more minority races applicants have an approval rate of 28.6% and denial rate of 14.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.