Wauna Federal Credit Union in Oregon vs the state
17.0%Denial rate+1.70 pts vs state
17.6%Decision denial rate-1.55 pts vs state
72.8%Origination rate+12.17 pts vs state
6.63%Median rate-0.13 pts vs state
0.77Rate spread (pts)+0.49 pts vs state
$96kMedian applicant income
107Loans originated
25Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 140 | 34.8% | 6.35% | #101 |
| 2024 | 179 | 114 | 22.4% | 6.85% | #112 |
| 2025 | 147 | 107 | 17.0% | 6.63% | #144 |
What Wauna Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Wauna Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 63 | 48 | 10 | 15.9% |
| Clatsop County | 61 | 41 | 11 | 18.0% |
| Washington County | 20 | 17 | 3 | 15.0% |
| Tillamook County | 2 | 1 | 0 | 0.0% |
| Hood River County | 1 | 0 | 1 | 100.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 147 applications in 2025, of which 107 were originated and 25 denied.
17.0% of all applications, or 17.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Wauna Federal Credit Union originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Wauna Federal Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology