Hapo Community Credit Union mortgage approval rate & lending review
Hapo Community Credit Union decided 892 mortgage applications and funded 586 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hapo Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hapo Community Credit Union at a glance
Approval is 6.0 points above the 73.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 247 / 271 | 79% | $385K | 194 |
| Home improvement loans | 72% | 212 / 295 | 89% | $65K | 189 |
| Cash-out refinance | 77% | 173 / 226 | 86% | $175K | 149 |
| Refinance | 66% | 29 / 44 | 93% | $255K | 27 |
| Investment property purchase | 88% | 29 / 33 | 62% | $205K | 18 |
Hapo Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 80% | $175K | 862 | 570 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hapo Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, WA | Mortgage lenders | 97% | 180 | 135 |
| Benton County, WA | Home improvement loans | 79% | 171 | 122 |
| Benton County, WA | Cash-out refinance | 83% | 114 | 85 |
| Yakima County, WA | Cash-out refinance | 71% | 76 | 47 |
| Yakima County, WA | Home improvement loans | 60% | 83 | 43 |
| Yakima County, WA | Mortgage lenders | 78% | 65 | 42 |
The county markets where Hapo Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Hapo Community Credit Union
What is Hapo Community Credit Union's mortgage approval rate?
Hapo Community Credit Union approved 79.3% of the 892 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Hapo Community Credit Union offers?
Borrowers accepted 83% of the loans Hapo Community Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hapo Community Credit Union make?
The typical home improvement loan loan Hapo Community Credit Union made was $65K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hapo Community Credit Union lend?
Hapo Community Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Washington, Oregon and Idaho.
Can I apply to Hapo Community Credit Union directly?
Yes. Hapo Community Credit Union is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hapo Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hapo Community Credit Union treats applications, then get a rate quote from the lender.