HYFC Lending

Name

HYFC Lending

Legal name

Haa Yakaawu Financial Corporation

Website

https://hyfclending.com

Company type

Private

Founded year

2019

Operating status

Operating

Ownership category

akta.pro rank

Product category

Community Development Lending

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSALAAAM

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAI

Government-Insured Mortgage Origination (FHA/VA/USDA)

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSAEAEAI

SBA/USDA Government-Backed Loan Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSALAKAF

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans)

Financial & Insurance/Mortgage & Housing Finance/Housing Finance Agencies & Government-Sponsored Housing Programs

Keywords

• Community development lending
• Mortgage lending services
• Credit builder loans
• Financial education programs
• Small business lending

Headquarters

HQ city

Juneau

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Lending: Interest income from mortgage loans with 15-40 year terms offered to Southeast Alaska homebuyers and tribal citizens. Primary revenue stream supporting their mission-driven lending operations.
2. Credit Builder Loans: Small dollar loans (up to $2,500) with 10% APR for ACH payments or 20% APR for non-direct deposit, generating interest income while helping borrowers build credit.
3. Renovation Loans: Home renovation and repair loans with terms up to 15 years, loan amounts up to 80% of property value, generating interest income.
4. Small Business Development Loans: Business loans up to $500,000 with fixed competitive interest rates for tribal entrepreneurs. Program includes free 1-on-1 coaching and expert-led workshops alongside lending.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

HYFC Lending (Haa Yakaawu Financial Corporation) is a Native Community Development Financial Institution (CDFI) that provides mortgage loans, small-dollar credit builder loans, home renovation loans, and small business development loans to Southeast Alaska residents and Tlingit and Haida tribal citizens. Loan origination is paired with free financial counseling, VITA tax assistance, and financial education workshops delivered across rural Southeast Alaska communities.

Product overview

HYFC Lending (Haa Yakaawu Financial Corporation) is a Native Community Development Financial Institution (CDFI) offering a suite of financial products and services focused on Southeast Alaska communities and Tlingit and Haida tribal citizens. The core product portfolio centers on mortgage lending with four primary loan products: Mortgage Loans (15-40 year terms), Small Dollar Credit Builder Loans (up to $2,500, 2-year terms), Renovation Loans (up to 15-year terms, 80% of value), and Small Business Development Loans (up to $500,000). These loan products are complemented by support services including VITA Tax Assistance (free tax preparation), Financial Education Programs (budgeting, credit, homebuyer education, retirement, insurance, home maintenance, fraud prevention, and small business development workshops), and the Success Starts With Me counseling program. The company also provides an online Mortgage Calculator tool. As a CDFI, HYFC serves as a mission-driven lender focused on affordable housing and financial empowerment in underserved communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loans

Quantifiable outcome

• 167-point credit score increase for Credit Builder Loan participants
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Six partnerships are on record, tiered core and major.

• NeighborWorks AmericacoreStrategic or Co-development Partner · 18 June 2025HYFC became newest member of the national NeighborWorks network, gaining access to new sources of flexible funds for local housing investment and job creation. Network membership increases proximity to housing industry leadership and proven strategies for bringing private and government investment together.
• Central Council of the Tlingit and Haida Indian Tribes of AlaskacoreStrategic or Co-development PartnerPartnership for small business loans and support services to help tribal citizens start or grow businesses in Southeast Alaska. HYFC operates under this tribal organization's umbrella.
• Alaska Small Business Development CentercoreStrategic or Co-development PartnerPartnership providing small business loans and support services, including free 1-on-1 coaching and expert-led workshops for tribal entrepreneurs.
• Tlingit Haida Regional Housing Authority (THRHA)coreStrategic or Co-development PartnerStrong operational partnership. HYFC is affiliated with THRHA; Jacqueline Pata serves as President & CEO of both organizations. Collaborative home development projects including Crow Hill development. Joint financial education and VITA programs.
• Douglas Indian Association (DIA)coreStrategic or Co-development PartnerPartnership for tribal housing development. Collaborated with THRHA and HYFC on Crow Hill development project celebrating six new tribal homeowners in Juneau.
• Alaska Federation of NativesmajorStrategic or Co-development PartnerStatewide tribal advocacy organization. Partnered with HYFC in Washington DC discussions with Congressional leaders on Native housing and economic development policy.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Spruce Root: Alaska-based Native CDFI providing small business loans and community development financing across Southeast Alaska. Co-lender with HYFC on Markel's Collision Center and partner on federal Native CDFI policy advocacy — directly comparable mission, geography, and product set.
• Cook Inlet Lending Center: Alaska Native CDFI delivering consumer, mortgage, and small business lending to Alaska Native and American Indian communities. Joint federal advocacy partner with HYFC on Tribal housing programs and CDFI Fund protection.
• Alaska Growth Capital: Alaska Native CDFI focused on small business lending and economic development. Co-lender with HYFC on Native-owned business loans such as Markel's Collision Center.
• Tlingit Haida Regional Housing Authority (THRHA): Tribal housing authority serving Tlingit and Haida citizens in Southeast Alaska; shares CEO with HYFC and operates the Crow Hill development. Closely affiliated in mission and customer base, though THRHA is a housing authority rather than a CDFI lender.

Broad incumbents

• NeighborWorks Alaska (Rural Alaska Community Action Program / RurAL CAP): One of the existing NeighborWorks America network members in Alaska providing housing counseling and community development across rural Alaska. As a more established NeighborWorks affiliate, it overlaps with HYFC's mission and customer base.
• Fahe: National CDFI alliance focused on Appalachia and rural America, providing mortgage, small business, and consumer loans to underserved communities. Larger and more geographically diversified Native-adjacent CDFI with comparable mission and product breadth.
• Hope Credit Union: Mississippi-based CDFI credit union providing mortgages, small business loans, and financial education in Deep South underserved communities. Similar model combining lending with credit-building and financial counseling, though structured as a credit union rather than a Native CDFI.
• Opportunity Finance Network (OFN) CDFI member lenders: National network of CDFIs (including hundreds of community development lenders) of which HYFC and its Native CDFI peers are members. Represents the broader category of federally certified mission-driven lenders comparable in structure and product mix.

Others

• NeighborWorks Capital: CDFI focused exclusively on financing NeighborWorks network members. With HYFC's June 2025 NeighborWorks affiliation, NeighborWorks Capital becomes a relevant capital partner and structural peer in the network.

Regional players

• Council for Native Hawaiian Advancement: Native Hawaiian community development organization with affiliate loan funds serving Native Hawaiian populations. Comparable mission and structure to HYFC's work in Alaska Native communities, though operating in Hawaii rather than Alaska.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HYFC Lending