Lahaina Homeowner Recovery Program
Hawai‘i Community Lending (HCL) was created by native Hawaiians on Maui who were unable to qualify for a Hawaiian Homelands lease. HCL started its work in 2002 in the Paukukalo homestead to help native Hawaiians obtain mortgages to receive their lease and get on the land.
We expanded from our Maui roots to serve native Hawaiians across the state. In 2007, HCL assisted Leialii homestead families in Lahaina obtain mortgages. 16 years later, when the August 8th fires struck, our team moved quickly to launch the Kanaka Anti-Displacement Fund to bring services to the 104 impacted Leiali‘i families, committing ourselves to help them prevent displacement and rebuild.
Now, HCL has been called on to expand our services under the Lahaina Homeowner Recovery Program to serve all Lahaina owner-occupant homeowners.
Eligibility
• Lahaina homeowner
• Lived in home as primary residence before impact
Services
• FEMA and SBA loan applications and appeals
• Access to grants and loans to prevent foreclosure
• Help with forbearance and modifications of first mortgages
• Referrals to emergency financial counseling and filing insurance claims
• Assistance with obtaining construction and mortgage financing for rebuild from HCL or its partner lenders
Accepting applications July 1
Homeowner Relief Toolkit
We have compiled a range of resources to assist you on the road to recovery. Follow the links below to see the resources.
Donate to make a difference
Complete the Interest Form to secure your space in the Lahaina Homeowner Recovery Program
By The Numbers
88 Homeowners Interested
86 Owner Occupants
Average Household Income:$96,306
3.4 Average Household Members
12 Homes Still Standing
5 Have Not Filed an Insurance Claim (HCL Navigation Specialists are now assisting homeowners with referrals to public insurance adjusters or other free services to file a claim)
83 Have Filed an Insurance Claim
83 Homeowners Received Insurance Settlement
Average Insurance Settlement Received: $331,239
68 Have an Existing Mortgage on the Property (HCL Navigation Specialists are now assisting homeowners with submitted forbearance request letters if they have not done so already)
Average Mortgage Amount Balance: $514,654
Number of Mortgages + $ Mortgage Bank by Servicer
American Savings Bank – 2, $680,000
Bank of America – 2, $1,600,550
Bank of Hawaii – 2, $1,514,500
Castle and Cook – 1, $475,000
Chase – 3, $1,458,000
Click ‘n Close – $1,281,848
First Hawaiian Bank -7, $2,727,197
Flagstar Bank – 1, $445,814
Loan Depot – 3, $1,207,381
Mission Servicing – 1, $480,000
Movement Mortgage – 3, $6,205
Mr. Cooper – 6, $3,195,500
NewRez – 2, $992,800
Northepointe – 1, $499,000
PennyMac – 2, $1,008,000
PHH Mortgage – 1, $650,000
Planet Home Lending – 2, $1,080,700
PNC Bank – 1, $700,000
Prime Lending – 2, $785,000
Rocket Mortgage – 2, $1,328,980
Roundpoint Mortgage – 2, $977,173
Rushmore – 1, $909,000
ServiceMac – 1, $400,856
Shellpoint Mortgage – 3 – $2,230,000
SPS Servicing – $1,568,000
United Wholesale Mortgage – 2, $1,540,000
Valon – 1, $270,000
Waialua Federal Credit Union – 1, $74,000
Wells Fargo – 3, $1,344,000
Uknown – 3, $857,300
4 Have Not Applied for SBA Loan (HCL Navigation Specialists are now assisting homeowners with applying for SBA Disaster Loans)
84 Applied for SBA Loan
39 Denied SBA Loan
19 Homeowners Who Still Need to File Reconsideration (HCL Navigation Specialists are now assisting homeowners with filing SBA Loan reconsiderations)
5 Have Not Applied for FEMA (HCL Navigation Specialists are now assisting homeowners with applying for FEMA)
83 Applied for FEMA
65 Denied FEMA Assistance
23 Homeowners Who Still Need to File Appeals (HCL Navigation Specialists are now assisting homeowners with filing FEMA appeals)
A BIG MAHALO TO ALL WHO HAVE CONTRIBUTED TO LAHAINA HOMEOWNERS!
Hawai‘i Community Foundation – $5,000,000
Department of Hawaiian Home Lands – $2,500,000
First Hawaiian Bank – $1,000,000
American Savings Bank – $400,000
Bank of Hawai‘i – $400,000
Central Pacific Bank – $100,000
HomeStreet Bank – $100,000
Finance Factors Ltd – $40,000
Hawai‘i National Bank – $40,000
Maui Outreach Offices
As we grieve the devastation to our Maui community, we are 100% committed to the recovery effort.
Our long-term goal is to assist those impacted on Maui to rebuild their homes. We are here to support residents throughout this journey, providing 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.
Our team has two offices on Maui — one in a converted shipping container in Lahaina and one in Maui Mall in Kahului — so we are on site to respond to your needs and help you recover from the fire destruction.
Kahului Office
In Kākoʻo Maui Resource Hub in partnership with Hawaiian Community Assets
Maui Mall, 70 W. Ka‘ahumanu Ave.
Monday - Friday, 10 a.m. - 6 p.m.
Walk-ins welcome
Lahaina Office
Stationed near the Lahaina Civic Center and the Leiali‘i subdivision
Mon. - Thurs. 9 a.m. to 5 p.m.
walk-ins welcome
Fri. - Sun. by appointment.
Contact Us
(808) 587-7656 (Call or Text)
Our Pledge to Maui ‘Ohana
- Preventing foreclosure and securing land access.
- Financial aid for disaster victims.
- Kānakā Anti-Displacement Fund to protect native Hawaiians.
- Dedicated team working to make rebuilding easier.
Join us on the journey to rebuild and restore Maui’s strength. We’re here for you every step of the way.