Lenders › HAPO Community CU
7(a) lenderRichland, Washingtoncredit union485th of 2,184 by approvals
HAPO Community CU
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
HAPO Community CU (Richland, Washington) is a credit union in the SBA 7(a) program, 485th of 2,184 by approvals in FY2021 to FY2025: 54 loans worth $5.7M.
In FY2025, the latest complete fiscal year, it had 2 approvals totalling —, down 82% on FY2024 (11). FY2026 to 30 Jun 2026 adds 3 more.
The median approval was $51K, against $190K for the 7(a) program as a whole; 83.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 3 counties, led by Washington (100.0%). The largest industry group was construction at 25.9% of approvals.
Of 123 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.8%), 118 as paid in full and 4 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 3 | $822K | $30K | $274K | 36 |
| FY2025 | 2 | — | — | — | 16 |
| FY2024 | 11 | $1.3M | $40K | $116K | 83 |
| FY2023 | 23 | $2.1M | $40K | $90K | 216 |
| FY2022 | 15 | $2.2M | $100K | $144K | 105 |
| FY2021 | 3 | $78K | $26K | $26K | 96 |
| FY2020 | 4 | $719K | $219K | $180K | 79 |
| FY2019 | 3 | $266K | $100K | $89K | 36 |
| FY2018 | 7 | $671K | $100K | $96K | 42 |
| FY2017 | 7 | $409K | $35K | $58K | 23 |
| FY2016 | 9 | $994K | $100K | $110K | 106 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 30 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Washington | 7(a) program |
|---|---|---|---|
| Approvals in these years | 141 | 17,200 | 639,905 |
| Cancelled or never disbursed | 18 | 2,118 | 79,313 |
| Disbursed loans | 123 | 15,082 | 560,592 |
| Paid in full | 118 | 12,092 | 435,813 |
| Charged off | 1 | 678 | 36,891 |
| Still outstanding (status exempt from disclosure) | 4 | 2,312 | 87,888 |
| Charged off, share of disbursed loans | 0.8% | 4.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.3% | 1.6% | 2.5% |
| Dollars charged off | $50K | $114M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 1 | 1 | 0 | — | 2.8% |
| FY2020 | 2 | 1 | 0 | — | 4.0% |
| FY2019 | 3 | 3 | 0 | — | 6.7% |
| FY2018 | 5 | 3 | 1 | — | 7.9% |
| FY2017 | 7 | 7 | 0 | — | 7.7% |
| FY2016 | 9 | 9 | 0 | — | 7.2% |
| FY2015 | 17 | 17 | 0 | — | 6.9% |
| FY2014 | 13 | 12 | 0 | — | 6.4% |
| FY2013 | 15 | 15 | 0 | — | 6.0% |
| FY2012 | 16 | 15 | 0 | — | 6.3% |
| FY2011 | 18 | 18 | 0 | — | 6.9% |
| FY2010 | 17 | 17 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $51K | $190K |
| Average approval | $106K | $518K |
| Approvals of $150,000 or less | 83.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 46.3% | 34.3% |
| Approvals to franchise businesses | 0.0% | 11.5% |
| Jobs supported per approval, as reported | 9.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.8% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Washington | 54 | $5.7M | 100.0% |
In Washington the lender accounts for 0.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Benton County, WA | 45 | $4.8M | 83.3% | |
| 2 | Franklin County, WA | 8 | $817K | 14.8% | |
| 3 | Yakima County, WA | 1 | — | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 14 | 25.9% | |
| 2 | Health Care and Social Assistance | 9 | 16.7% | |
| 3 | Accommodation and Food Services | 7 | 13.0% | |
| 4 | Other Services (except Public Administration) | 5 | 9.3% | |
| 5 | Manufacturing | 4 | 7.4% | |
| 6 | Retail Trade | 3 | 5.6% | |
| 7 | Real Estate and Rental and Leasing | 2 | 3.7% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 3.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 13.0% | |
| 2 | Nonresidential Building ConstructionNAICS 2362 | 5 | 9.3% | |
| 3 | Offices of DentistsNAICS 6212 | 4 | 7.4% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 5.6% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 5.6% | |
| 6 | Other Food ManufacturingNAICS 3119 | 3 | 5.6% | |
| 7 | Residential Building ConstructionNAICS 2361 | 3 | 5.6% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 5.6% | |
| 9 | Legal ServicesNAICS 5411 | 2 | 3.7% | |
| 10 | Clothing and Clothing Accessories RetailersNAICS 4581 | 2 | 3.7% |
Approval sizes
- $50,000 or less50.0%27
- $50,001 to $150,00033.3%18
- $150,001 to $350,00011.1%6
- $350,001 to $1 million5.6%3
Loan terms
- 5 years or less53.7%29
- Over 5 to 10 years46.3%25
Age of the businesses
- Existing, more than 2 years old51.9%28
- New business, 2 years or less35.2%19
- Startup, loan funds will open the business11.1%6
- Change of ownership1.9%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 53 | 98.1% | |
| 2 | 7a General | 1 | 1.9% |
Franchise share
0 of 54 approvals in FY2021–FY2025 (0.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
Questions and answers
How many SBA loans does HAPO Community CU make?
SBA approved 2 7(a) loans through HAPO Community CU in FY2025, worth —, and 54 over FY2021 to FY2025. That ranks 485th of 2,184 active 7(a) lenders by number of approvals.
How large are HAPO Community CU's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $51K and the average $106K. The program-wide median was $190K.
What is HAPO Community CU's charge-off rate?
Of 123 disbursed loans approved in FY2010 to FY2021, SBA records 1 as charged off (0.8%), 118 as paid in full and 4 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does HAPO Community CU lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (7); nonresidential building construction (5); offices of dentists (4); other specialty trade contractors (3).
Where does HAPO Community CU make SBA loans?
In 1 state or territory. Washington 54. In Washington it accounts for 0.7% of all 7(a) approvals.
Is HAPO Community CU's SBA lending rising?
Approvals in the three latest complete fiscal years total 36, against 22 in the three before: rising (+64%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error