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 score and performance metrics.

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 an overall pricing score of 28.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Hapo Community Credit Union?

Hapo Community Credit Union is a Credit Union headquartered in Richland, WA.

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Hapo Community Credit Union

Credit Union•Richland, WAHQ•Direct•Reviews near you on Google

Hapo Community Credit Union has 128 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,393)

Explore another lender or local market

Report Card

Hapo Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+15.9 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

124 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

80 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

Refinance

48 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	124	96.9%	+0.164%Above	$4,354Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume124

Mix96.9%

Spread

+0.164%Above

Fees

$4,354Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Sound	80	62.5%	+0.227%Above	$4,546Fees
Refinance	Sound	Sound	Acceptable	Sound	48	37.5%	+0.066%Above	$4,182Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume80

Mix62.5%

Spread

+0.227%Above

Fees

$4,546Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume48

Mix37.5%

Spread

+0.066%Above

Fees

$4,182Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

128

Applications

226

Volume

$44 million

Pricing & Closing

Avg Rate Spread

+0.159%

vs. market APOR

Avg Net Fees

$4,393

Origination − Credits

Pullthrough Rate

56.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$349,688

Avg Borrower Income

$152,977

Avg Property Value

$543,984

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

West3

IDORWA

Top Metro Areas by Place Specialization Score

Kennewick, WAMetro

Volume 79Mix 61.72% of portfolio

85/100

Exceptional

Yakima, WAMetro

Volume 26Mix 20.31% of portfolio

64/100

Strong

Top States by Place Specialization Score

WashingtonState

Volume 124Mix 96.88% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.