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BUY-HOME
Take the first step to financial freedom
Take the first step to financial freedom
Credit Builder Loan
Credit Builder Loan
BUY-HOME
Lower payments with a
Lower payments with a
Debt Consolidation
Loan
Debt
Consolidation
Loan
BUY-HOME
Build strong
Build foundations with a
Kapili Construction Loans
Kapili Construction Loan
Credit Builder Loan
Credit Builder Loan
BUY-HOME
Hoʻāla Rehabilitation Loan
Hoʻāla Rehabilitation Loan
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Our
Mission

Hawai‘i Community Lending increases access to credit and capital for the economic self-sufficiency of Hawai‘i residents with a particular focus on Native Hawaiians.

Welcome to Hawai‘i Community Lending

We are Hawai’i’s premier nonprofit mortgage lender, helping local and Hawaiian families navigate the path to homeownership. HCL is a trusted financial community partner, created to fund the affordable housing ecosystem from homebuyer to home builder to homeowner.

Our Impact

4,485

Grants & Loans
Originated

$160+
Million

Grants & Loans Disbursed

4,572

‘Ohana in Homes

*Impact since HCL’s founding in 2002

Maui Wildfire Relief & Recovery

At this time, our thoughts and attention are with the Maui community, which has been profoundly affected by the recent devastating wildfires. Our long-term goal is to assist those impacted on Maui rebuild their homes. We are here to provide support throughout this journey, sharing guidance, resources, and assistance every step of the way.

We are working to provide essential information and services to those in need. In addition to immediate relief efforts, we are actively setting up a comprehensive ‘toolkit’ filled with resources to aid you on your path to recovery. For more information and to access these valuable resources, please visit Maui Wildfire Relief & Recovery or follow the links below. Together, we will overcome these challenges and rebuild a stronger and more resilient community.

Support Kānaka Anti-Displacement Fund

The Kānaka Anti-Displacement Fund was set up to protect Hawai‘i’s kānaka maoli from displacement.

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