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Dear Friends,

For 24 years, and more intensively in the decade since the financial crisis, HOPE has concentrated its resources on closing the financial service gaps that limit opportunity for people and places existing on the precarious fringe of America’s economy. Roughly one in four, or 33.5 million, of the nation’s households either have no formal relationship with a financial institution, or look outside the banking system for credit and other financial services. The vast majority of these people are low income. Half of households making less than $15,000 a year and more than a third of those making between $15,000 and $30,000 a year are either unbanked or underbanked.

Entire communities are deprived of access to quality financial services. For example, the 50 most economically mobile counties in the United States have significantly higher rates of access to bank branches, conventional mortgage lending, and small business capital.

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Full report


Business Lending

Connecting entrepreneurs and companies with resources to grow and prosper.

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Consumer Lending

Creating brighter futures with affordable personal financing.

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Deposit Services

Empowering future generations with financial education.

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Housing & Homeownership

Changing lives by helping families come home.

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Community Development

Developing stronger communities with key infrastructure and services.

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Reaching New Markets

Building bridges to financial opportunities in new communities.

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Hope Credit Union &
Hope Enterprise Corporation
Boards of Directors

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Statement of Financial Position

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Join us as we continue to create opportunity where it’s needed most.

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