At a glance
From its website, read 2 Nov 2026HHOC Mortgage is a loan fund based in Honolulu, Hawaii. Its website describes home mortgages. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.hhocmortgage.org |
| Office (official list) | 1259 Aala St #201, Honolulu, HI 96817 |
What their website says about applying
Borrowers should communicate with an HHOC Mortgage Loan Officer before submitting an offer on a property.
sourceThis is the first step in determining your purchase power and what programs you may be qualified for. We recommend that you take this step before shopping for a home.
source1 month of pay stubs for all employment
sourceFully executed Purchase Contract
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate stated, not as an APR: see their wording | 0% interest. | source |
| Home mortgages | Rate stated, not as an APR: see their wording | Fixed interest rate of 3%. | source |
| Home mortgages | Rate stated, not as an APR: see their wording | Mortgage interest is set at 4.5% or matches the first mortgage rate (whichever is lower) | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
Household income up to 120% of the Area Median Income
source - First-time homebuyer program
Borrowers must be first-time homebuyers (no property ownership in the last three years)
source - Homebuyer education required
Homebuyer Education classes and a coaching session completed with the Hawaii HomeOwnership Center.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 1259 Aala St #201, Honolulu, HI 96817 Directions (Google Maps) |
| Website | www.hhocmortgage.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | up to $125,000 | The maximum loan amount for DPAL is $125,000 | source |
Loan sizes
The maximum loan amount for DPAL is $125,000
sourceMaximum loan amount of $50,000.
sourceLoan up to $10,000 with matched savings of $5,000 from the borrower.
sourceBorrowers in Honolulu County are eligible for a loan up to $5,000; borrowers in all other Counties are eligible for up to $10,000.
source
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
Borrowers must be first-time homebuyers (no property ownership in the last three years)
source - Low- and moderate-income / underserved
Our primary target group is low to moderate-income borrowers who can benefit from our unique first-time buyer products.
source - Veterans
This is a special loan for Veterans and other customers who meet the VA Administration eligibility program guidelines.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Loan officers can take your loan application online or over the telephone.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.4 million in 13 awards from the U.S. Treasury's CDFI Fund, 2010–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $587,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Financial Assistance | $300,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2017 | Capital Magnet Fund | $500,000 |
| 2015 | CDFI Program, Financial Assistance | $400,000 |
| 2014 | CDFI Program, Financial Assistance | $300,000 |
| 2012 | CDFI Program, Financial Assistance | $400,000 |
| 2011 | CDFI Program, Financial Assistance | $250,000 |
| 2010 | CDFI Program, Technical Assistance | $94,140 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $5.1M |
|---|---|
| Total liabilities | $602,688 |
| Net assets | $4.5M |
| Total revenue | $1.1M |
| Notes and loans receivable, net (Part X line 7) | $2.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 27-1240023, filed as “HHOC MORTGAGE”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $4.5M | $3.7M | $1.5M | $1.7M |
| Dec 2022 (990) | $4.4M | $3.7M | $303,213 | $2M |
| Dec 2023 (990) | $5.1M | $4.5M | $1.1M | $2.6M |
Total assets grew 14% from Dec 2021 to Dec 2023; notes and loans receivable rose 50%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $5.1M | Larger than 24% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 24% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Honolulu and Hawaii
- Hawaii Central Federal Credit UnionCredit union · Honolulu, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Hawaii Community Reinvestment CorporationLoan fund · Honolulu, HICommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Hawaii Federal Credit UnionCredit union · Honolulu, HIAuto / vehicle loans, Personal / consumer loansVerified
- Hawaiian Lending & InvestmentsLoan fund · Honolulu, HI · Native CDFIOfficial list only
Work at HHOC Mortgage? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.