HCA opened its doors in 2000, in Wailuku, on the island of Maui, with the charge to create a community development financial institution (CDFI) that would address the organization's mission to build the capacity of low- and moderate-income communities to achieve and sustain economic self-sufficiency with a particular focus on Native Hawaiians. In 2002, HCA took a major step forward by establishing Hawai'i’s first non-profit mortgage broker operation – Hawai'i Community Lending (HCL). While developing lending programs for construction and long-term mortgages for use on Hawaiian Home Lands, HCA staff also developed a HUD-approved homeownership and financial education curriculum – Kahua Waiwai: Building a Foundation of Wealth© - adapted from standard homebuyer and Native American curriculum to reflect local culture and values.
Today, HCA utilizes it Kahua Waiwai curricula series to conduct housing and financial literacy workshops and deliver training/technical assistance to transitional housing and community-based organizations, education and financial institutions, and government entities and Veterans centers to serve their target populations. Through its Native CDFI – Hawai'i Community Lending – HCA is active in developing and implementing innovative, micro-loan products and asset building programs that best serve the housing and credit needs of all low- and moderate-income Hawai'i individuals and families.