Pearl Hawaii Federal Credit Union Mortgage Rates, Fees & Info
Waipahu, HILEI: 549300JD50LHLWMWPN92
Tax ID: 99-0073437
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Pearl Hawaii Federal Credit Union is a smaller credit union specializing in Refi and Cash Out 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
48Origination Dollar Volume (All Markets)
$16,790,000Top 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) | 48 | $16,790,000 | $349,792 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 48 | $16,790,000 | $349,792 | $0 | 0.00% |
For 2022, Pearl Hawaii Federal Credit Union's most frequently originated type of loan was Conventional, with 48 originations.
Loan Reason
For 2022, Pearl Hawaii Federal Credit Union's most frequently cited loan purpose was Refi, with 30 originations. The 2nd most popular reason was Cash Out Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 48 | $16,790,000 | $349,792 | $0 | 0.00% |
For 2022, Pearl Hawaii Federal Credit Union's most frequently cited loan duration was Other, with 48 originations.
Loan Sizing
2022 saw Pearl Hawaii Federal Credit Union place emphasis on $400k-600k loans with 13 originations, totaling $6,465,000 in origination value.
Applicant Income
Pearl Hawaii Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $150k-250k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 48 | $16,790,000 | $349,792 | $0 | 0.00% |
Pearl Hawaii Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 48 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.25%
Pearl Hawaii Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination41.67%
Pearl Hawaii Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 48 | $16,790,000 | $349,792 |