County directory · Hawaii
CDFI lenders in Honolulu County, HI
1 certified CDFI names Honolulu County or a town in it as part of their service area on their own website. 5 more are headquartered here. 1 more say they serve all of Hawaii. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 1
- Based here
- 5
- Serve all of HI
- 1
A lender naming Honolulu County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Aiea, Camp H M Smith, Ewa Beach, Fort Shafter, Haleiwa, Hauula, Honolulu, Jbphh, Kaaawa, Kahuku, Kailua, Kaneohe….
Lenders compared for Honolulu County
8 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Hawaii Federal Credit Union Credit union, Honolulu HI | website names Waipahu; headquarters here; 1 office here | ask | 301 mi |
| 2. Hawaii Central Federal Credit Union Credit union, Honolulu HI | headquarters here; 2 offices here | $10,000–$1M | 300 mi |
| 3. Change Lending, LLC Loan fund, Anaheim CA | 48 home loans here, 2025 | up to $3.5M | 2,322 mi |
| 4. Champions Funding, LLC Loan fund, Gilbert AZ | 32 home loans here, 2025 | up to $3M | 2,657 mi |
| 5. Hawaii Community Reinvestment Corporation Loan fund, Honolulu HI | headquarters here | ask | 299 mi |
| 6. HHOC Mortgage Loan fund, Honolulu HI | headquarters here | ask | 301 mi |
| 7. Hawaiian Lending & Investments Loan fund, Honolulu HI | headquarters here | ask | 302 mi |
| 8. Council for Native Hawaiian Advancement Loan fund, Kapolei HI | headquarters here | $500–$250,000 | 315 mi |
7 of these 8 lenders have received CDFI Fund awards, together $28.9M in fiscal years 2000–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
7 lenders7 head offices and 1 branch or office of 7 lenders on this page, within 2610 miles of the centre of Honolulu County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Auto / vehicle loans (2 lenders)
- Personal / consumer loans (2 lenders)
- Home mortgages (2 lenders)
- Small-dollar / emergency loans (1 lender)
- Energy / solar / efficiency loans (1 lender)
- Microloans (1 lender)
- Small-business loans (1 lender)
- Commercial real estate loans (1 lender)
Banks and credit unions with a branch in this county
2 certified CDFIs have at least one office in Honolulu County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Hawaii Central Federal Credit UnionCredit union · Honolulu, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loans2 offices in Honolulu County · based hereVerified
- Hawaii Federal Credit UnionCredit union · Honolulu, HIAuto / vehicle loans, Personal / consumer loans1 office in Honolulu County · based hereVerified
CDFI mortgage lenders active here
Certified CDFIs reported 82 originated home loans for properties in Honolulu County in 2025 under the Home Mortgage Disclosure Act: 0.6% of the 13,362 home loans that all HMDA lenders reported here.
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages48 home loans here in 2025 (HMDA)Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages32 home loans here in 2025 (HMDA)Verified
Plus 2 more certified CDFIs with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
Small business and SBA lending in Honolulu County
Official statisticsMedian household income in Honolulu County is $106,195, 6% above the Hawaii figure of $100,389 (ACS 2020–2024).
Businesses here took 31.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Hawaii county (30.7), rank 2 of 4.
| Measure | Honolulu County | Hawaii |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 20,890 (63.5% of the state) | 32,910 |
| …of which under 20 employees | 85% | 86% |
| Businesses without employees (Nonemployer Statistics 2023) | 74,413 | 120,655 |
| Median household income (ACS 2020–2024) | $106,195 (6% above the state) | $100,389 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 659 (583 7(a), 76 504) | 1,007 |
| …per 1,000 businesses with employees | 31.5 (rank 2 of 4 Hawaii counties) | 30.7 (median county) |
| Median SBA 7(a) loan, all lenders | $50,000 | $50,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 1 or 2 | 1 (0%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 3 pts (191 loans; 14% at the SBA maximum) | 3 pts (14% at the maximum) |
Approvals by fiscal year: FY2020 58 · FY2021 75 · FY2022 80 · FY2023 102 · FY2024 142 · FY2025 134 · FY2026 68.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 2024330 loans and investments totaling $69.7M (median $125,000) were reported to the CDFI Fund for borrowers and projects in Honolulu County in fiscal year 2022, by 17 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home improvement | 180 | $31.8M | $150,000 |
| Consumer | 65 | $466,851 | $5,000 |
| Home purchase | 55 | $27.1M | $455,000 |
| Non-real estate business | 15 | $6.7M | $125,000 |
| Non-real estate microenterprise | 7 | $192,611 | $30,000 |
| None of the listed purposes | 4 | $1.5M | $201,846 |
| Other purposes | 4 | $1.9M |
Of 231 individual borrowers whose income was reported, 57% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 4,628 consumer loans in Honolulu County totaling $54M (Consumer Loan Report, tract totals, so no median); they counted 25% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 52 · FY2019 222 · FY2020 202 · FY2021 538.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Lenders whose website names Honolulu County or a town in it
Headquartered in Honolulu County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Council for Native Hawaiian AdvancementLoan fund · Kapolei, HI · Native CDFISmall-dollar / emergency loans, Energy / solar / efficiency loans, Microloans, Small-business loansVerified
- HHOC MortgageLoan fund · Honolulu, HIHome mortgagesVerified
- 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
- Hawaiian Lending & InvestmentsLoan fund · Honolulu, HI · Native CDFIOfficial list only
Say they serve all of Hawaii
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Hawaii Small Business Development Center ~ OahuSmall Business Development Center · 677 Ala Moana Boulevard, Suite 612, Honolulu, HI 96813808-945-1430
- Hawaii SCORESCORE mentoring · 500 Ala Moana Boulevard, Suite 1-306A, Honolulu, HI 96813800-634-0245
- Patsy T. Mink Center for Business & Leadership Women's Business CenterWomen's Business Center · 1040 Richards Street, Suite 105, Honolulu, HI 96813808-695-2635
- Veterans Business Outreach Center of the PacificVeterans Business Outreach Center · 2800 Woodlawn Dr., Suite 165, Honolulu, HI 96822808-988-1236
- SBA Honolulu - Main office officeSBA district office · 500 Ala Moana Blvd., Suite 1-306, Honolulu, HI 96813808-541-2990
Housing counseling
- Council for Native Hawaiian AdvancementHUD-approved housing counselor · 91-1270 Kinoiki St, Kapolei, HI 96707808-596-8155
- Hawaii Homeownership CenterHUD-approved housing counselor · 1259 Aala St Ste 201, Honolulu, HI 96817808-523-9500
- Hawaiian Community Assets, IncHUD-approved housing counselor · 200 N Vineyard Blvd, Honolulu, HI 96817000-000-0000
- LEGAL AID SOCIETY OF HAWAII - Kaneohe BranchHUD-approved housing counselor · 45-955 Kamehameha Hwy., Kaneohe, HI 96744808-235-5343
- LEGAL AID SOCIETY OF HAWAII - Waianae BranchHUD-approved housing counselor · 85-670 Farrington Hwy Ste A, Waianae, HI 96792808-696-6322
- Legal Aid Society of HawaiiHUD-approved housing counselor · 924 Bethel Street, Honolulu, HI 96813808-536-4302
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
City pages in Honolulu County
Source: CDFI Atlas, cdfiatlas.com/states/hi/counties/honolulu-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).