Hawaiʻi Community Lending (HCL) launched the Lahaina Homeowner Recovery Program (LHRP) to help owner occupant homeowners recover after the August 2023 Lahaina fire. Over time the program grew to cover FEMA appeals, insurance claim support, disaster case management, SBA disaster loan applications, foreclosure prevention, property surveys, and connections to community resources. Today the program is focused on the Manaʻolana Rebuild Recoverable Grant, which helps owner occupant homeowners close the funding gap in their rebuild. 

Hawaiʻi Community Lending was created by Native Hawaiians on Maui who were unable to qualify for a Hawaiian Home Lands lease. HCL began its work in 2002 in the Paukūkalo homestead, helping Native Hawaiians obtain mortgages to receive their lease and get on the land. 

HCL grew from its Maui roots to serve Native Hawaiians across the state. In 2007, HCL helped Leialiʻi homestead families in Lahaina obtain mortgages. Sixteen years later, when the August 8th fires struck, the HCL team moved quickly to launch the Kanaka Anti-Displacement Fund, bringing services to the 104 affected Leialiʻi families and committing to help them avoid displacement and rebuild.  We then expanded to the greater Lahaina creating the Lahaina Homeowner Recovery Program.