Finance Factors has been providing financial services in Hawaii for 70 years. Established in 1952 by several island families, the company has grown from a small local enterprise that pioneered personal loans for Hawaii’s working class, into Hawaii’s largest locally-owned depository financial services loan company. Today, Finance Factors continues to work diligently to help generations of families fulfill their financial dreams with creative lending and savings products. Finance Factors specializes in residential real estate loans for purchase, refinance, cash-out, and home equity, as well as commercial real estate loans. Finance Factors also offers some of the best rates on certificates of deposit and savings accounts, with deposits insured by the FDIC.