Pearl Hawaii Federal Credit Union Mortgage Rates, Fees & Info

Waipahu, HI

LEI: 549300JD50LHLWMWPN92

Tax ID: 99-0073437

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Pearl Hawaii Federal Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. Pearl Hawaii Federal Credit Union has a high proportion of conventional loans. Their top (well, only) market is Urban Honolulu.

    Pearl Hawaii Federal Credit Union has an 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

    56

    Origination Dollar Volume (All Markets)

    $12,610,000

    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
    URBAN HONOLULU, HI (FHA|USDA|VA) 56 $12,610,000 $225,179 $0 0.00%
    Pearl Hawaii Federal Credit Union's top markets include and Urban Honolulu among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 56 $12,610,000 $225,179 $0 0.00%

    For 2019, Pearl Hawaii Federal Credit Union's most frequently originated type of loan was Conventional, with 56 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 24 $6,270,000 $261,250 $0 0.00%
    Other 12 $1,350,000 $112,500 $0 0.00%
    Refi 9 $2,595,000 $288,333 $0 0.00%
    Home Improvement 8 $1,770,000 $221,250 $0 0.00%
    Home Purchase 3 $625,000 $208,333 $0 0.00%

    For 2019, Pearl Hawaii Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 24 originations. The 2nd most popular reason was Other, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 56 $12,610,000 $225,179 $0 0.00%

    For 2019, Pearl Hawaii Federal Credit Union's most frequently cited loan duration was Other, with 56 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 23 $6,475,000 $281,522 $0 0.00%
    $100,000 or less 16 $1,130,000 $70,625 $0 0.00%
    $100k-200k 9 $1,125,000 $125,000 $0 0.00%
    $400k-600k 8 $3,880,000 $485,000 $0 0.00%

    2019 saw Pearl Hawaii Federal Credit Union place emphasis on $200k-400k loans with 23 originations, totaling $6,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 21 $5,515,000 $262,619 $0 0.00%
    $75k-100k 12 $2,650,000 $220,833 $0 0.00%
    $150k-250k 10 $2,400,000 $240,000 $0 0.00%
    $50k-75k 9 $1,395,000 $155,000 $0 0.00%
    $250k+ 2 $420,000 $210,000 $0 0.00%
    $50k or less 2 $230,000 $115,000 $0 0.00%

    Pearl Hawaii Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 21 originations. The second most popular income band? $75k-100k, with 12 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 42 $8,950,000 $213,095 $0 0.00%
    Native Hawaiian or Islander 6 $1,690,000 $281,667 $0 0.00%
    White 6 $1,600,000 $266,667 $0 0.00%
    Not applicable 1 $245,000 $245,000 $0 0.00%
    Black 1 $125,000 $125,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.25%

    Pearl Hawaii Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.93%

    Pearl Hawaii Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 56 $12,610,000 $225,179

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 56 $12,610,000 $225,179