Wymar Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
18th20.8% deniedProcesswithdrawn + incomplete share, weight 15%
17th20.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 192 | 104 | 8.9% | 14.1% | — | $17M |
| 2024 | 151 | 66 | 8.0% | 15.4% | — | $9.6M |
| 2025 | 134 | 84 | 16.4% | 20.8% | — | $17M |
What Wymar Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 1 investment properties.
Who gets approved at Wymar Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 29 | 18 | 25.0% |
| $100k – $150k | 38 | 25 | 3.9% |
| $150k – $250k | 43 | 32 | 18.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 39 | 20 | 25.9% |
| 35–44 | 42 | 26 | 23.5% |
| 45–54 | 21 | 15 | 21.1% |
Where Wymar Federal Credit Union lends
1 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 134 | 84 | 16.4% | — | #151 |
Frequently asked questions
Wymar Federal Credit Union denied 20.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of small mortgage lenders.
In 2025, 40% of its applications were for home purchases, 60% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.