Home financing in Maui County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Maui County line, Kahului included, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Maui County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 11
- DOORS HERE
- 7
- BASED HERE
- 4
- HI COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 165Kresidents of Maui County
- Covers
- Kahului
- Elsewhere in HI
- Honolulu County →26 doors — the biggest list of any other county in Hawaii
- State
- Hawaii →4 of 5 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Molokai Community Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Aloha Pacific Credit Union · Hawaii State Credit Union- Kahului Credit UnionMinority depositoryPersonal · Home
- Maui Credit UnionMinority depositoryPersonal · Home
- Maui Teachers Credit UnionMinority depositoryPersonal · Home · Business capital
- Molokai Community Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Valley Isle Community Credit UnionMinority depositoryPersonal · Home · Business capital
- IN THIS LIST
1 of the 11 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Wailuku Credit UnionMinority depositoryPersonal · Home
- Lanai Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Maui County line. You can walk in.
- Aloha Pacific Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaii State Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiian Financial Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiiusa Credit UnionMinority depositoryPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Maui County.
home-purchase applications that reached a decision were turned down: 71 of 659.
- Applications
- 838
- Loans made
- 567
- Median rate
- 6.4%
- Too much debt for the income33.8%
- The home's value or condition29.6%
- Information they couldn't verify9.9%
- Guaranteed Rate130832.4%6.5%
- American Savings Bank, FSB1126933.3%6.1%
- Loandepot.com896613.2%6.2%
- United Shore Financial Services1036522.1%6.1%
- Bank of Hawaii1175631.4%6%
- First Hawaiian Bank874915.2%5.9%
- Rocket Mortgage774238.6%6.3%
- Northpointe Bank473412.8%7%
- Hawaii State Federal Credit Union402720%5.9%
- Mld Mortgage30273.6%5.8%
The 10 lenders that made the most home loans in Maui County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (23.8%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Buying, fixing or rebuilding a home in Maui County means working with some of the highest prices in the country, leasehold land, condo associations, and insurance that has gotten harder to find. This guide explains how home financing works on Maui, Molokai and Lanai, who tends to qualify, what to gather, which credit unions based in the county and Honolulu credit unions with branches here to call first, and the Hawaii-specific details that trip people up. No pressure and nothing to sign up for.
It's a process, not a rejection.
Home financing covers a mortgage to buy, a construction or renovation loan to build or fix, a home equity loan or line against a house you already own, and loans for small rental properties.
Maui County's housing market is shaped by three forces.
Visitor demand and second-home buyers push prices far above what local wages support.
Land is limited, and some property is sold as leasehold — you own the building but lease the land — which changes how lenders look at the deal. And the Lahaina wildfire turned many families into rebuilders and renters overnight, adding insurance claims, temporary housing and new construction to the picture.
For many local families the realistic path is not a single-family house right away. It may be a condo, a home shared across generations, an ohana unit or accessory dwelling built on family land, or rebuilding on a lot you already own. Each of these has a financing route, and each has its own paperwork.
Molokai and Lanai are different markets again: smaller, more rural, with fewer homes changing hands. Some areas outside the main towns may qualify for rural housing programs.
Forget what the banks say.
A mortgage lender wants to see steady income, a credit history, a down payment, and a monthly payment that fits your income. In Maui County, common situations include:
- 01Hotel
Restaurant and resort workers with hourly pay, tips and seasonal swings — show two years of history so tips and overtime count
- 02Self-employed contractors and tradespeople
Expect to show two years of tax returns, and know that heavy write-offs lower the income a lender can count
- 03Households with two or three jobs between them — every documented income helps
- 04Multigenerational families buying together — ask how co-borrowers are handled
- 05Families rebuilding after the wildfire
Insurance proceeds, land you own and grant funds can all change the math
- 06Native Hawaiians eligible for homestead land through the state's Hawaiian Home Lands program, which has its own lending path
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
Seven credit unions are based inside Maui County, and four Honolulu credit unions keep branches here. Credit unions usually offer mortgages, home equity loans and sometimes construction loans to members, and membership is generally tied to where you live or work.
The mission lender based in the county
Molokai Community — a credit union based in Kaunakakai, certified as a CDFI. For Molokai residents it is the natural first stop.
Credit unions based in the county
- Maui — a credit union based in Kahului
- Valley Isle Community — a credit union based in Kahului
- Kahului — a credit union based in Kahului
- Wailuku — a credit union with its office in Kahului
- Maui Teachers — a credit union based in Wailuku, serving the education community
- Lanai — a credit union based in Lanai City
Honolulu credit unions with branches here
- Hawaii State
- Aloha Pacific
- Hawaiian Financial
- Hawaiiusa
Ask each one: do you make mortgages on leasehold property and condos, do you offer construction or rebuild loans, and do you lend to ITIN holders? Confirm whether loans are underwritten on Maui or on Oahu.
National ITIN-friendly nonprofits
- Mission Asset Fund — zero-interest lending circles and credit building, SSN or ITIN accepted. Useful for building the credit a mortgage needs.
- Accion Opportunity Fund — a nonprofit small-business lender that accepts ITIN; relevant if your home plan depends on your business income.
- Grameen America — microloans for women entrepreneurs, no SSN requirement, branches in major metro areas.
Public programs: the state housing finance agency offers first-time buyer help, HUD-approved housing counselors give free advice, USDA Rural Development lends in eligible rural areas, and the state's Hawaiian Home Lands department serves qualifying Native Hawaiian families.
Get your papers in order.
Photo ID and your SSN or ITIN • Two years of W-2s and pay stubs for the last month or two, or two years of tax returns if you are self-employed • Two to three months of bank statements for every account, showing where your down payment comes from • A written letter for any gift money from family • Proof of rent payments if you are a first-time buyer — a clean rental history helps • For condos: the association's budget and any notice of special assessments • For leasehold property: the lease, its remaining term and the ground rent • For rebuilds: your insurance settlement, the deed to the lot, permits and the contractor's bid • For an ohana unit or ADU: plans, permits and a cost estimate If your down payment is cash you have kept at home, deposit it well before you apply.
ALL 11 DOORS, BY NAME AND BY TOWN- 11
- DOORS HERE
- 38
- ACROSS HI
Based in Kaunakakai, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified, and it is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Honolulu, Hawaii. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is a minority depository.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Honolulu, Hawaii. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Honolulu, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
Unsolicited offers to buy a burned lot quickly and for cash often undervalue the land. Talk to a housing counselor before you answer.
with no title protection. If you miss a payment, you can lose everything you paid in.
Free help exists through HUD-approved counselors. Never pay upfront for a rescue.
Do not inflate income or hide a debt on an application. It is fraud, even when someone tells you everyone does it.
A notario público is not a lawyer in the United States and cannot give legal advice on a home purchase.
If a closing paper changed and no one explains why, stop and ask.
Everything below is set by Hawaii, and it reads the same in every county in it. The 11 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Leasehold versus fee simple matters. With leasehold you do not own the land, and the remaining lease term affects whether a lender will finance and on what terms. Get the lease reviewed before you commit.
Condo associations can raise fees or levy special assessments for repairs and insurance. Read the budget and recent meeting notes.
Insurance — hurricane, flood and fire — has become harder and more expensive to find in parts of the islands. Get quotes before you make an offer, because the lender will require coverage.
Maui County has been tightening rules on short-term vacation rentals. Never count on rental income for a property until you have confirmed that the use is legal for that specific unit.
Rebuilding requires county permits and inspections. Keep every receipt and permit; lenders and insurers will ask.
Hawaii uses a notary and escrow process for closings. Read your closing documents before the day you sign.
The short version.
- 01
Owning or rebuilding a home in Maui County is hard but not impossible. Start with a credit union based in the county, and ask about leasehold, condos, construction loans and ITIN lending. Use the state housing agency and a HUD-approved counselor for free first-time buyer help, and check the Hawaiian Home Lands path if you are eligible.
- 02
Gather two years of income records, document your down payment, and get insurance quotes early.
- 03
Origen Capital is a directory, not a lender. We do not collect your information or sell financial products. Use this guide to prepare, then work directly with the institution when you are ready.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MAUI COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MAUI COUNTY →4HI COUNTIES WITH DOORSThe whole stateEvery county in Hawaii, in this same lane.38 institutions fund homes and repairs inside Hawaii county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.