Hapo Community Credit Union in Oregon vs the state
24.1%Denial rate+8.76 pts vs state
28.9%Decision denial rate+9.73 pts vs state
51.9%Origination rate-8.77 pts vs state
7.50%Median rate+0.75 pts vs state
1.66Rate spread (pts)+1.39 pts vs state
$115kMedian applicant income
28Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 33 | 33.3% | 6.63% | #180 |
| 2024 | 61 | 20 | 52.5% | 7.50% | #190 |
| 2025 | 54 | 28 | 24.1% | 7.50% | #214 |
What Hapo Community Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Hapo Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Umatilla County | 34 | 15 | 7 | 20.6% |
| Morrow County | 6 | 3 | 3 | 50.0% |
| Clackamas County | 5 | 4 | 1 | 20.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Union County | 2 | 1 | 1 | 50.0% |
| Josephine County | 1 | 0 | 1 | 100.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Clatsop County | 1 | 1 | 0 | 0.0% |
| Deschutes County | 1 | 0 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 54 applications in 2025, of which 28 were originated and 13 denied.
24.1% of all applications, or 28.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Hapo Community Credit Union originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Hapo Community Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology