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Wauna Federal Credit Union

Clatskanie, OR

Wauna Federal Credit Union processed 195 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 116 loans with a 24.1% denial rate. Refinancing was the primary loan purpose. Based in Clatskanie, OR. The approval rate of 59.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Wauna Federal Credit Union processed 195 HMDA-reported mortgage applications in 2024, originating 116 loans and denying 47 for a denial rate of 24.1% (applicants themselves withdrew 14 files before a decision). The average loan amount was $150,795 at a 7.236% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 549300LVO8UXHRM8O957 from Clatskanie, OR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Wauna Federal Credit Union's 59.5% origination rate tells you how often an application turned into funded money; the 24.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (189 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

195
Applications
116
Originated
24.1%
Denial Rate
$150,795
Avg Loan Amount
Avg Interest Rate: 7.236% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 189 116 44 $142,460
FHA 5 0 2 $405,000
USDA 1 0 1 $455,000

Top loan types — Wauna Federal Credit Union

Top loan types — Wauna Federal Credit Union Horizontal bar chart of the top 3 items by value (applications). Top loan types — Wauna Federal Credit Union Top 3 1. Conventional 189 2. FHA 5 3. USDA 1 Top 5 loan types by application volume at Wauna Federal Credit Union (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Wauna Federal Credit Union (LEI: 549300LVO8UXHRM8O957) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
33
Collateral
10
Credit history
7
Insufficient cash
4
Unverifiable information
3
Employment history
2
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 81 29 $175,617
Cash-out Refinancing 61 53 $94,344
Home Improvement 35 32 $81,571
Home Purchase 18 2 $365,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 184 58.7% 24.5%
Joint 4 100.0% 0.0%
American Indian or Alaska Native 3 33.3% 66.7%
Asian 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 168 60.1% 22.6%
Hispanic or Latino 13 38.5% 46.1%
Joint 11 63.6% 27.3%

Nearby Lenders in OR

Other HMDA-reporting lenders in OR with similar activity. Compare any two side-by-side.

OnPoint Community Credit Union

Portland, OR

10,400 apps 7,152 originated 17.4% denied

UMPQUA BANK

PORTLAND, OR

8,064 apps 4,989 originated 20.1% denied

First Technology Credit Union

Beaverton, OR

6,270 apps 3,364 originated 14.7% denied

ROGUE CREDIT UNION

MEDFORD, OR

2,752 apps 1,802 originated 12.1% denied

SELCO COMMUNITY CREDIT UNION

SPRINGFIELD, OR

2,086 apps 1,226 originated 27.1% denied
Compare Wauna Federal Credit Union vs OnPoint Community Credit Union →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Wauna Federal Credit Union process?
Wauna Federal Credit Union processed 195 mortgage applications in the 2023 HMDA reporting year. Of these, 116 were originated (approved and funded), 14 were withdrawn by the applicant, and 47 were denied.
What is Wauna Federal Credit Union's mortgage approval rate?
Wauna Federal Credit Union has an approval (origination) rate of 59.5%, meaning 59.5% of all applications resulted in a funded mortgage. The denial rate is 24.1%.
What is the average loan amount at Wauna Federal Credit Union?
The average mortgage loan amount at Wauna Federal Credit Union is $150,795. The average interest rate is 7.236%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at Wauna Federal Credit Union?
The most common reasons for mortgage denial at Wauna Federal Credit Union are: Debt-to-income ratio, Collateral, Credit history. In total, 47 applications were denied out of 195 total applications.
What types of mortgage loans does Wauna Federal Credit Union offer?
Wauna Federal Credit Union processes Conventional, FHA, USDA loans. The most common type is Conventional with 189 applications and an average loan amount of $142,460.
What loan purposes does Wauna Federal Credit Union serve?
Wauna Federal Credit Union serves the following loan purposes: Refinancing (81 applications), Cash-out Refinancing (61 applications), Home Improvement (35 applications), Home Purchase (18 applications). Refinancing is the most common purpose.
Where is Wauna Federal Credit Union located?
Wauna Federal Credit Union is headquartered in Clatskanie, OR. The lender is identified by LEI 549300LVO8UXHRM8O957 in HMDA data.
How does Wauna Federal Credit Union compare in lending across racial demographics?
Wauna Federal Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 58.7% and denial rate of 24.5%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%; American Indian or Alaska Native applicants have an approval rate of 33.3% and denial rate of 66.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.