Hapo Community Credit Union in Washington vs the state
20.3%Denial rate+4.68 pts vs state
24.4%Decision denial rate+4.81 pts vs state
51.5%Origination rate-9.56 pts vs state
7.38%Median rate+0.75 pts vs state
1.41Rate spread (pts)+1.22 pts vs state
$106kMedian applicant income
309Loans originated
122Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 724 | 417 | 24.3% | 6.63% | #68 |
| 2024 | 635 | 342 | 27.2% | 7.50% | #80 |
| 2025 | 600 | 309 | 20.3% | 7.38% | #88 |
What Hapo Community Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Hapo Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 258 | 149 | 33 | 12.8% |
| Yakima County | 139 | 59 | 48 | 34.5% |
| Franklin County | 104 | 58 | 19 | 18.3% |
| Walla Walla County | 26 | 13 | 5 | 19.2% |
| Clark County | 22 | 10 | 4 | 18.2% |
| Adams County | 8 | 2 | 5 | 62.5% |
| Grant County | 6 | 1 | 2 | 33.3% |
| Spokane County | 5 | 2 | 1 | 20.0% |
| King County | 4 | 1 | 0 | 0.0% |
| Cowlitz County | 3 | 1 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 600 applications in 2025, of which 309 were originated and 122 denied.
20.3% of all applications, or 24.4% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Hapo Community Credit Union originated in Washington in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Hapo Community Credit Union's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology