STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
212
2010–2025
Total Volume
$38M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
212 total segments
HAPO Community CU has a strong focus on existing businesses, with 63% of their deals supporting established companies. This makes them a solid choice for borrowers looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.92%, HAPO Community CU offers competitive pricing compared to the national median of ~P+2.75%. This could lead to significant savings on interest for borrowers.
Despite a notable 11% share of 504 loans, HAPO Community CU primarily focuses on smaller deals, with 67% of their transactions under $150K. If you're seeking larger financing, you may want to consider other lenders.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 24 504 loans, which use fixed SBA debenture rates.
States where HAPO Community CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Building Construction
Construction
Miscellaneous Retail
Retail Trade
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for HAPO Community CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 20 | P+1.50% | $70K | Q3 2023 |
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 16 | P+1.50% | $54K | Q4 2023 |
| Washington · Building Construction · Under $150K | 7(a) | 12 | P+1.25% | $68K | Q1 2025 |
| Washington · Physician & Dental Offices · $150K – $350K | 7(a) | 10 | P+1.75% | $257K | Q2 2022 |
| Washington · Miscellaneous Retail · Under $150K | 7(a) | 10 | P+2.25% | $56K | Q2 2023 |
| Washington · Other Health Practitioners · Under $150K | 7(a) | 10 | P+1.63% | $49K | Q3 2023 |
| Washington · Manufacturing · Under $150K | 7(a) | 9 | P+1.75% | $73K | Q2 2025 |
| Washington · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+3.25% | $53K | Q3 2024 |
| Washington · Physician & Dental Offices · Under $150K | 7(a) | 6 | P+1.38% | $92K | Q2 2022 |
| Washington · Specialty Trade Contractors · $150K – $350K | 7(a) | 5 | P+2.00% | $258K | Q3 2020 |
| Washington · Transportation & Warehousing · Under $150K | 7(a) | 5 | P+3.75% | $59K | Q2 2017 |
| Washington · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.38% | $36K | Q2 2022 |
| Washington · Other Repair & Services · Under $150K | 7(a) | 4 | P+1.75% | $57K | Q3 2024 |
| Washington · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.50% | $79K | Q3 2022 |
| Washington · Wholesale Trade · Under $150K | 7(a) | 3 | P+0.50% | $68K | Q2 2023 |
| Washington · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+1.00% | $234K | Q3 2020 |
| Washington · Physician & Dental Offices · $500K – $1M | 504 | 3 | — | $683K | Q1 2025 |
| Washington · Retail Trade · Under $150K | 7(a) | 3 | P+3.75% | $27K | Q4 2014 |
| Washington · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+1.50% | $100K | Q1 2018 |
| Washington · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+1.75% | $45K | Q4 2014 |
| Washington · Information & Media · Under $150K | 7(a) | 3 | P+1.75% | $85K | Q4 2018 |
| Washington · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+1.75% | $23K | Q2 2015 |
| Washington · Legal Services · Under $150K | 7(a) | 2 | P+1.13% | $95K | Q4 2022 |
| Washington · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+1.75% | $44K | Q2 2014 |
| Washington · Management & IT Consulting · Under $150K | 7(a) | 2 | P+1.50% | $65K | Q2 2016 |
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Real experiences from borrowers who closed SBA loans with HAPO Community CU.
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