Safeguarding Hawai‘i’s kānaka maoli from displacement.
Zero-down, low-fee mortgages for Hawaiian families.
Zero-down, low-fee mortgages for Hawaiian families.
E Komo Mai
Welcome home
Hawai‘i Community Lending is 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 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.
*Impact since HCL’s founding in 2002
Loans
for every step
of your journey
![CEO Jeff Gilbreath to move on from Hawai‘i Community Lending [Maui Now]](https://hawaiicommunitylending.com/wp-content/uploads/2026/08/Jeff-huiwaiwai.jpg)
Invest
in community
By investing with Hawai‘i Community Lending, you help fund affordable loans that empower native Hawaiians to build and buy homes, creating economic opportunities and meaningful change in our communities. Invest today to join the movement to bring Native Hawaiians back to the land.
Hawai‘i Community Lending is offering impact investors up to 3% annual simple interest on investments of ten years or more.