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Hapo Communtiy Credit Union

Richland, WA

Hapo Communtiy Credit Union processed 704 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 364 loans with a 29.6% denial rate. Other was the primary loan purpose. Based in Richland, WA. The approval rate of 51.7% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hapo Communtiy Credit Union's 51.7% origination rate tells you how often an application turned into funded money; the 29.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (696 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

704
Applications
364
Originated
29.6%
Denial Rate
$180,710
Avg Loan Amount
Avg Interest Rate: 7.337% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 696 364 205 $179,080
FHA 7 0 2 $289,286
VA 1 0 1 $555,000

Top loan types - Hapo Communtiy Credit Union

Top loan types - Hapo Communtiy Credit Union Horizontal bar chart of the top 3 items by value (applications). Top loan types - Hapo Communtiy Credit Union Top 3 1. Conventional 696 2. FHA 7 3. VA 1 Top 5 loan types by application volume at Hapo Communtiy Credit Union (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Hapo Communtiy Credit Union (LEI: 54930097J3TUZXBXXE75) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
84
Credit history
74
Other
60
Collateral
35
Insufficient cash
5
Employment history
3
Unverifiable information
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 271 123 $99,465
Home Improvement 142 73 $78,873
Home Purchase 139 86 $406,655
Cash-out Refinancing 125 65 $207,320
Refinancing 27 17 $245,370

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 558 53.0% 28.3%
Joint * 27 59.3% 25.9%
Asian * 16 25.0% 37.5%
Black or African American * 11 9.1% 81.8%
American Indian or Alaska Native * 4 50.0% 50.0%
2 or more minority races * 1 0.0% 0.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 399 55.4% 25.6%
Hispanic or Latino 207 42.0% 39.6%
Joint * 44 61.4% 22.7%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in WA

Other HMDA-reporting lenders in WA with similar activity. Compare any two side-by-side.

Coastal Community Bank

Everett, WA

64,233 apps 15,099 originated 1.6% denied

Boeing Employees' Credit Union

Tukwila, WA

21,382 apps 13,093 originated 24.6% denied

Evergreen Moneysource Mortgage Company

BELLEVUE, WA

6,824 apps 4,791 originated 3.0% denied

Banner Bank

Walla Walla, WA

6,099 apps 3,140 originated 33.5% denied

WSECU

OLYMPIA, WA

4,133 apps 1,960 originated 42.2% denied
Compare Hapo Communtiy Credit Union vs Coastal Community Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Hapo Communtiy Credit Union process?
Hapo Communtiy Credit Union processed 704 mortgage applications in the 2024 HMDA reporting year. Of these, 364 were originated (approved and funded), 47 were withdrawn by the applicant, and 208 were denied.
What is Hapo Communtiy Credit Union's mortgage approval rate?
Hapo Communtiy Credit Union has an approval (origination) rate of 51.7%, meaning 51.7% of all applications resulted in a funded mortgage. The denial rate is 29.6%.
What is the average loan amount at Hapo Communtiy Credit Union?
The average mortgage loan amount at Hapo Communtiy Credit Union is $180,710. The average interest rate is 7.337%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at Hapo Communtiy Credit Union?
The most common reasons for mortgage denial at Hapo Communtiy Credit Union are: Debt-to-income ratio, Credit history, Other. In total, 208 applications were denied out of 704 total applications.
What types of mortgage loans does Hapo Communtiy Credit Union offer?
Hapo Communtiy Credit Union processes Conventional, FHA, VA loans. The most common type is Conventional with 696 applications and an average loan amount of $179,080.
What loan purposes does Hapo Communtiy Credit Union serve?
Hapo Communtiy Credit Union serves the following loan purposes: Other (271 applications), Home Improvement (142 applications), Home Purchase (139 applications), Cash-out Refinancing (125 applications), Refinancing (27 applications). Other is the most common purpose.
Where is Hapo Communtiy Credit Union located?
Hapo Communtiy Credit Union is headquartered in Richland, WA. The lender is identified by LEI 54930097J3TUZXBXXE75 in HMDA data.
How does Hapo Communtiy Credit Union compare in lending across racial demographics?
Hapo Communtiy Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 53.0% and denial rate of 28.3%; Joint applicants have an approval rate of 59.3% and denial rate of 25.9%; Asian applicants have an approval rate of 25.0% and denial rate of 37.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.