Applications / Mortgage Analytics / Lenders / Hawaii / Pearl Hawaii Federal Credit Union
Waipahu, HI · Credit union · NCUA · $523 million assets · 18 loans in 2025
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18
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pearl Hawaii Federal Credit Union is a small Honolulu lender whose few home loans in 2025 were refinances and home-improvement loans, not purchases.
Pearl Hawaii Federal Credit Union made 18 loans in 2025. Two-thirds, 66.7%, were refinances and 22.2% were home-improvement loans; none financed a home purchase. All were conventional loans in a single county. With so few loans, its shares and typical loan size are too small to read much into.
It ranks 97 of 223 lenders in Urban Honolulu, with 0.1% of the market, unchanged from 2024. It merged with West Oahu Community Federal Credit Union in 2018, and that credit union's filings count toward its figures in the competition tables; counting them, it has lent there since 1992.
It made 52 loans in 2018 and 56 in 2019. It filed no report for 2020 or 2021, which is a gap in the record rather than a sign that it stopped lending. Since then its loans have fallen from 48 in 2022 to 18, against 19 in 2024. Similar lenders, meaning credit unions making between half and twice as many loans, typically made 24.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pearl Hawaii Federal Credit Union took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Home improvement 22.2% · Other 11.1%
Conventional 100.0% · of 18 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Hawaii | 18 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JD50LHLWMWPN92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 198970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51961 | 1993–2017 |
Established 1 January 1937. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Pearl Hawaii Federal Credit Union's data.
Pearl Hawaii Federal Credit Union's data
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Pearl Hawaii Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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