# HAPO COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/hapo-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HAPO COMMUNITY CREDIT UNION is a credit union, headquartered in Richland, WA, serving borrowers across 3 states, with 128 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930097J3TUZXBXXE75
- **Headquarters:** Richland, WA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** ID, OR, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.159%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,393
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 128
- **Dollar Volume:** $45 million
- **Applications Received:** 226
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $349,688
- **Average Borrower Income:** $152,977
- **Average Property Value:** $543,984

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 124 | +0.164% | $4,354 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 77 loans, Score: 45/100 (Sound)
- Refinance: 47 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 80 | $32M | +0.227% | Sound ☺️ |
| Refinance | 59/100 | 48 | $13M | +0.066% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 124 | 0.15% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kennewick | WA | 79 | 85/100 |
| Yakima, WA | WA | 26 | 64/100 |

## Where This Lender Ranks

HAPO COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kennewick Credit Unions
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Yakima, WA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Kennewick for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Yakima, WA
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders)
- 🏆 **#20** in Kennewick
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does HAPO COMMUNITY CREDIT UNION offer?

HAPO COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HAPO COMMUNITY CREDIT UNION offer mortgages?

HAPO COMMUNITY CREDIT UNION offers mortgages in 3 states: ID, OR, WA.

### How competitive are HAPO COMMUNITY CREDIT UNION's mortgage rates?

HAPO COMMUNITY CREDIT UNION has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.159% above market average.

### What type of lender is HAPO COMMUNITY CREDIT UNION?

HAPO COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Richland, WA.

### What is HAPO COMMUNITY CREDIT UNION's loan approval success rate?

HAPO COMMUNITY CREDIT UNION has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hapo-community-credit-union

### How to Cite

> "HAPO COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hapo-community-credit-union

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