Pearl Hawaii FCU in Hawaii vs the state
30.9%Denial rate+9.08 pts vs state
48.6%Decision denial rate+21.26 pts vs state
32.7%Origination rate-22.64 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
18Loans originated
17Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 22 | 24.2% | — | #64 |
| 2024 | 45 | 19 | 11.1% | — | #86 |
| 2025 | 55 | 18 | 30.9% | — | #84 |
What Pearl Hawaii FCU lends in Hawaii
By loan purpose
By loan type
Where in Hawaii
Counties with the most Pearl Hawaii FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 53 | 18 | 15 | 28.3% |
| Hawaii County | 2 | 0 | 2 | 100.0% |
Other large lenders in Hawaii
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bank of Hawaii | C | 3,679 | 27.8% | 6.00% |
| First Hawaiian Bank | B | 2,740 | 19.4% | 5.87% |
| American Savings Bank | C | 2,479 | 34.5% | 5.65% |
| Hawaiiusa Federal Credit Union | C | 1,833 | 38.1% | 5.65% |
| United Shore Financial Services | B | 1,710 | 11.1% | 6.13% |
| Rocket Mortgage | C | 1,637 | 22.4% | 6.63% |
| Central Pacific Bank | C | 1,519 | 33.6% | 6.13% |
| Hawaii State Federal Credit Union | C | 1,418 | 30.0% | 5.90% |
| Navy Federal Credit Union | D | 985 | 30.2% | 8.10% |
| Freedom Mortgage | B | 924 | 10.8% | 5.75% |
Frequently asked questions
Hawaii: 55 applications in 2025, of which 18 were originated and 17 denied.
30.9% of all applications, or 48.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Pearl Hawaii FCU's own HMDA filing for properties located in Hawaii, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology