Finance Factors, Ltd.
Finance Factors, Ltd. is Hawaii's largest locally-owned depository financial services loan company (founded 1952), offering residential mortgages, commercial real-estate loans up to $5 million, and FDIC-insured savings, CDs, and IRA products through 13 branches across Hawaii plus a Guam office.
- Company typePrivate
- Founded1952
- HeadquartersHilo, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Finance Factors, Ltd. does
Finance Factors, Ltd. is a privately held, Hawaii-domiciled depository financial services and loan company founded in 1952 and operating under parent Finance Enterprises, Ltd. The company runs 13 branches across Hawaii — 9 on Oahu, 1 on Maui, 1 on Kauai, and 2 on the Big Island — plus a Guam Mortgage Center in Tamuning, and supports its deposits and lending with online account opening, native iOS/Android mobile apps, and a dedicated online mortgage application portal (mortgages.financefactors.com). It is self-described as Hawaii's largest locally-owned depository financial services loan company.
Its core revenue comes from interest income on residential mortgages (purchase, refinance, HELOC), commercial real estate loans up to $5 million (including SBA 504, construction, and multi-property collateral structures), and from retail deposits funding the loan book — Premier Savings and eSavings accounts, certificates of deposit (eCDs and branch CDs) ranging from 3-month to 48-month terms at APYs up to 3.60%, and Traditional and Roth IRAs. Government-backed loan programs (VA, FHA, Home Possible), jumbo loans, construction loans, investor and foreign-national loan products, and fixer-upper financing round out the lending menu. An ancillary subscription product, Paige, offers digital estate-planning (wills, document storage, password management, legacy messages) at $1.99/month to Finance Factors customers after a 1-month free trial.
The business model is relationship-based lending supported by community presence: 14 physical branches, dedicated loan officers listed branch-by-branch, a mortgage sales center at (808) 548-3300, and referral pipelines from local realtors including a dedicated Guam realtor network. Same-day quotes, in-house processing, underwriting, and funding underpin the "If No Can, We Can!" positioning for non-conforming borrowers and properties, while the Finance Factors Foundation subsidiary institutionalizes community giving (>$365,000 raised for nonprofits since 2007). The management team is led by President Rob Nelson, with a multi-VP commercial and residential lending bench and subsidiary oversight of Finance Insurance and Waipono Investment Corporation.
Finance Factors, Ltd. firmographics
Firmographics- Name
- Finance Factors, Ltd.
- Legal name
- Finance Factors, Ltd.
- Website
- https://financefactors.com
- Company type
- Private
- Founded year
- 1952
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Finance Factors, Ltd. is Hawaii's largest locally-owned depository financial services loan company (founded 1952), offering residential mortgages, commercial real-estate loans up to $5 million, and FDIC-insured savings, CDs, and IRA products through 13 branches across Hawaii plus a Guam office.
- Ownership category
- akta.pro rank
Finance Factors, Ltd. industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), State Commercial Banks (6022)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Finance Factors, Ltd. is headquartered
LocationHeadquarters
- HQ city
- Hilo
- HQ country
- United States
- HQ region
- North America
Offices15 records
Markets served
Finance Factors, Ltd. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Lending: Interest income from residential mortgage loans including purchases, refinances, and home equity lines of credit. Also includes commercial real estate loans up to $5 million.
- Commercial Real Estate Loans: Financing for apartment buildings, multi-family dwellings, office buildings, industrial buildings, retail buildings, and mixed-use properties. Includes SBA 504 loans and construction loans.
- Certificates of Deposit Interest Spread: Retail CDs offered to Hawaii residents and businesses with competitive rates. Deposits insured up to $250,000 by FDIC.
- Savings Account Deposits: Premier Savings and eSavings accounts generating deposit base for lending operations. Interest paid to depositors.
- Individual Retirement Accounts (IRAs): Traditional and Roth IRA accounts for retirement savings.
- Paige Estate Planning Subscription: Subscription service for estate planning tools. Finance Factors customers receive 1-month free trial and reduced rate of $1.99/month.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | 30-Year Fixed Rate Mortgage at 6.125% |
| Other | Monthly | 15-Year Fixed Rate Mortgage at 5.375% |
| Subscription | Monthly | Premier Savings - Tiered APY |
| Subscription | Monthly | eSavings Account |
| Other | Annual | 12-Month eCD at 3.30% APY |
| Other | Annual | 24-Month eCD at 3.40% APY |
| Other | Annual | 24-Month CD Long Term at 3.50% APY |
| Other | Annual | 36-Month CD at 3.60% APY |
| Other | Annual | 48-Month CD at 3.60% APY |
| Other | Annual | Short-Term CD Specials |
| Usage-based | Monthly | Home Equity Line of Credit (HELOC) |
| Subscription | Monthly | Paige Estate Planning Subscription |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels6 records
Finance Factors, Ltd. product offering
Product offeringCore offering
Finance Factors, Ltd. is a Hawaii-based depository financial services loan company that originates residential mortgages (purchase, refinance, home equity lines of credit) and commercial real estate loans, while accepting retail deposits through savings accounts, certificates of deposit, and individual retirement accounts (IRAs). Distribution is anchored by 13 physical branches across Hawaii plus one in Guam, complemented by online and mobile banking channels, with a digital estate planning tool (Paige) offered as an add-on subscription service.
Product overview
Finance Factors is a traditional financial services company offering a unified suite of banking and lending products through 13 branch locations across Hawaii, Guam, and Kauai. The core offerings center on residential mortgages (purchase, refinance, home equity lines), commercial real estate loans, and deposit products (savings accounts, certificates of deposit, IRAs). An additional service, Paige, provides digital estate planning tools. The company operates primarily as a relationship-based lender rather than a technology platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgages (Purchase) Residential mortgage loans for purchasing homes in Hawaii, including 30-year and 15-year fixed-rate options with rates starting at 6.125% for 30-year and 5.375% for 15-year fixed, available to qualified owner-occupants of residential real estate in Hawaii.
- Mortgage Refinance Refinancing solutions for Hawaii homeowners seeking to lower their rate, get cash out, or pay off their mortgage earlier.
- Home Equity Lines of Credit (HELOC) Flexible lines of credit using home equity without refinancing the first mortgage, with 2-year fixed introductory rates for expenses like home improvements, tuition, and bill consolidation; loan amounts over $500,000 available with interest-only payments based on amount used.
- Commercial Real Estate Loans Commercial real estate financing up to $5 million (with larger amounts considered) for apartment buildings, multi-family dwellings, office buildings, industrial buildings, warehouses, retail buildings, and mixed-use properties, including SBA 504 loans and construction loans.
- Savings Accounts (Premier Savings and eSavings) Retail deposit savings accounts with tiered APYs: Premier Savings offers 2.00% APY at $100–$49,999.99, 2.50% APY at $50,000–$99,999.99, and 3.00% APY at $100,000+ (effective 01/01/26), with $100 minimum opening balance; eSavings is available online with $100 minimum deposit.
- Certificates of Deposit (CDs) Time deposit products including eCDs (12-Month at 3.30% APY, 24-Month at 3.40% APY), short-term specials (3-Month at 3.15% APY, 6-Month at 3.20% APY, 12-Month at 3.15% APY), and long-term CDs (24-Month at 3.50% APY, 36-Month at 3.60% APY, 48-Month at 3.60% APY), with $1,000 minimum deposit and FDIC insurance up to $250,000 (effective 6/15/26).
- Individual Retirement Accounts (IRAs) Retirement accounts including Roth IRA (after-tax contributions with tax-free earnings and distributions) and Traditional IRA (tax-deductible contributions with tax-deferred savings) for Hawaii residents.
- Paige Estate Planning Subscription-based digital estate planning tool for creating wills, organizing and storing critical documents and passwords, and recording messages for loved ones. Uses bank-grade encryption and multi-factor authentication; $1.99/month after 1-month free trial for Finance Factors customers.
- Government-Backed Mortgage Programs (VA and FHA Loans) Government-backed residential mortgage programs including VA Loans (no down payment for active duty military and veterans) and FHA Loans (low down payment with easier credit qualifying) for eligible Hawaii borrowers.
- Jumbo Loans Mortgage loans up to $5 million for investors or owner-occupants requiring flexible, custom solutions on Hawaii residential real estate.
- Construction Loans Short-term loans for owners of vacant lots who want to build on their property, with interest-only payments during the construction period.
- Investor Loans Custom mortgage solutions for real estate investors including options for complex financials, loans based on property cash flow, and combining multiple properties on a single loan.
- Fixer-Upper / Non-Conforming Property Loans Financing for properties needing repairs, renovations, or complete tear-down, including non-conforming properties for purchase or refinance.
- Foreign Investor Loans Specialized loan program addressing the financing needs of foreign real estate investors purchasing Hawaii real estate.
- Low and No Down Payment Mortgage Programs Programs including Home Possible (as low as 3% down) and unique programs using equity in a parent's home as down payment for first-time and lower down payment buyers.
Quantifiable outcome
- Savings rate of 3.00% APY for balances $100,000 and over
- +3 more outcomes
Companies that use Finance Factors, Ltd.
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
Finance Factors, Ltd. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Finance Factors, Ltd. partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights5 records
Finance Factors, Ltd. competitors and assessment
Company assessmentBroad incumbents
- Bank of Hawaii: Hawaii's largest bank and a direct competitor in deposits, residential mortgages, and consumer banking across the islands. Comparable in geography and core products but operates at substantially larger scale and broader product scope.
- First Hawaiian Bank: Hawaii's oldest financial institution and a major competitor in residential mortgages, commercial real estate lending, and deposits across Hawaii and Guam. Direct overlap in CRE lending up to $5M tier and consumer deposit products.
- loanDepot: Large national mortgage lender with retail and wholesale channels. Comparable in residential mortgage origination focus though it competes primarily via direct-to-consumer and partner channels rather than branches.
Direct peers
- American Savings Bank: Hawaii-headquartered community bank focused on residential mortgages, commercial lending, and deposits. Closest comparable in scale, local market focus, and product mix to Finance Factors.
- Central Pacific Financial: Hawaii-based bank holding company (Central Pacific Bank) competing in commercial real estate, residential mortgages, and deposits across the islands. Comparable mid-size community institution footprint.
- Territorial Savings Bank: Hawaii-headquartered community savings bank focused on residential mortgages and deposit products. Closely comparable business model as a locally-owned depository lender serving Hawaii consumers.
- Hawaii National Bank: Hawaii community bank offering residential mortgages, commercial loans, and deposit accounts with a local relationship-banking model similar to Finance Factors.
- Guild Mortgage: National mortgage lender with branch-based retail origination model serving diverse borrower profiles including non-conforming and government-program borrowers. Directly comparable loan-product mix and branch-driven distribution.
- HomeStreet Bank: Community-oriented bank headquartered in the Pacific Northwest with a strong residential mortgage and CRE lending franchise. Comparable product mix including portfolio lending and jumbo mortgage programs.
Regional players
- BankGuam Holding Company: Guam-based community bank serving the same Guam market where Finance Factors operates its Mortgage Center. Direct overlap in Guam consumer and mortgage products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finance Factors, Ltd. social profiles
Digital presenceFinance Factors, Ltd. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finance Factors, Ltd. leadership team
Management profileNumber of profiles
Profiles13 records
Finance Factors, Ltd. subsidiaries and ownership
Company hierarchySubsidiaries3 records
Finance Factors, Ltd. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finance Factors, Ltd. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finance Factors, Ltd.
What does Finance Factors, Ltd. do?
Finance Factors, Ltd. is a Hawaii-based depository financial services loan company that originates residential mortgages (purchase, refinance, home equity lines of credit) and commercial real estate loans, while accepting retail deposits through savings accounts, certificates of deposit, and individual retirement accounts (IRAs). Distribution is anchored by 13 physical branches across Hawaii plus one in Guam, complemented by online and mobile banking channels, with a digital estate planning tool (Paige) offered as an add-on subscription service.
Is Finance Factors, Ltd. a public or private company?
Finance Factors, Ltd. is a private company. It is classified as family owned and is currently operating.
When was Finance Factors, Ltd. founded?
Finance Factors, Ltd. was founded in 1952. It employs 101 to 250 people.
Where is Finance Factors, Ltd. based?
Finance Factors, Ltd. is headquartered in Hilo, United States, in the North America region.
How does Finance Factors, Ltd. make money?
Six revenue lines are on record. Mortgage Lending is the primary driver. The others are commercial Real Estate Loans, certificates of Deposit Interest Spread, savings Account Deposits, individual Retirement Accounts (IRAs) and paige Estate Planning Subscription.
Who are Finance Factors, Ltd.'s main competitors?
Broad incumbents on record are Bank of Hawaii, First Hawaiian Bank and loanDepot. Direct peers are American Savings Bank, Central Pacific Financial, Territorial Savings Bank, Hawaii National Bank, Guild Mortgage and HomeStreet Bank. BankGuam Holding Company is listed as a regional player.
Does Finance Factors, Ltd. have an API?
No public API is recorded for Finance Factors, Ltd..
What industry is Finance Factors, Ltd. in?
Finance Factors, Ltd.'s product category is Retail Banking. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6162.