HAPO COMMUNITY CREDIT UNION
HAPO COMMUNITY CREDIT UNION received 671 applications in 2025 and made 340 mortgages, in 47 counties across 14 states. The median rate its borrowers got was 7.375% on a median loan of $155,000. Of 562 decisions, 145 were denials — 25.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930097J3TUZXBXXE75 |
|---|---|
| Applications received | 671 |
| Mortgages made | 340 |
| Denied | 145 |
| Approved, not taken up | 77 |
| Withdrawn or incomplete | 109 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.4145 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 87 | 6.625% | $385,000 | 6.7% |
| Refinancing | 11 | 6.000% | $315,000 | 36.4% |
| Cash-out refinancing | 88 | 7.438% | $170,000 | 19.7% |
| Other purposes | 154 | 7.500% | $85,000 | 35.9% |
Where HAPO COMMUNITY CREDIT UNION lends most
The 47 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Benton County, WA | 149 | 7.250% | 15.7% |
| Yakima County, WA | 59 | 7.500% | 40.0% |
| Franklin County, WA | 58 | 7.375% | 20.7% |
| Umatilla County, OR | 15 | 7.500% | 28.0% |
| Walla Walla County, WA | 13 | 7.500% | 25.0% |
| Clark County, WA | 10 | 7.500% | 26.7% |
| Clackamas County, OR | 4 | Under 10 loans | 20.0% |
| Morrow County, OR | 3 | Under 10 loans | 50.0% |
| Lincoln County, WA | 3 | Under 10 loans | 0.0% |
| Washington County, OR | 2 | Under 10 loans | 0.0% |
| Adams County, WA | 2 | Under 10 loans | 62.5% |
| Klickitat County, WA | 2 | Under 10 loans | 0.0% |
| Spokane County, WA | 2 | Under 10 loans | 25.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 25.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Clatsop County, OR | 1 | Under 10 loans | 0.0% |
| Lincoln County, OR | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Union County, OR | 1 | Under 10 loans | 50.0% |
| Asotin County, WA | 1 | Under 10 loans | 0.0% |
| Columbia County, WA | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 33.3% |
| Island County, WA | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 50.0% |
| Snohomish County, WA | 1 | Under 10 loans | 66.7% |
| Stevens County, WA | 1 | Under 10 loans | 33.3% |
| Santa Clara County, CA | 0 | Under 10 loans | 100.0% |
| Martin County, FL | 0 | Under 10 loans | Not published |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Ada County, ID | 0 | Under 10 loans | 0.0% |
| Bonner County, ID | 0 | Under 10 loans | 100.0% |
| Fulton County, IL | 0 | Under 10 loans | 100.0% |
| Kosciusko County, IN | 0 | Under 10 loans | 100.0% |
| Livingston County, MI | 0 | Under 10 loans | 100.0% |
| Stearns County, MN | 0 | Under 10 loans | 100.0% |
| Mountrail County, ND | 0 | Under 10 loans | 100.0% |
| Deschutes County, OR | 0 | Under 10 loans | 0.0% |
| Josephine County, OR | 0 | Under 10 loans | 100.0% |
| Lewis County, WA | 0 | Under 10 loans | 0.0% |
| Skamania County, WA | 0 | Under 10 loans | 0.0% |
| Thurston County, WA | 0 | Under 10 loans | 100.0% |
| Bayfield County, WI | 0 | Under 10 loans | 100.0% |
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When HAPO COMMUNITY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.