Applications / Mortgage Analytics / Lenders / Oregon / Wauna Federal Credit Union
Clatskanie, OR · Credit union · NCUA · $410 million assets · 120 loans in 2025
Wauna Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
120
loans originated, 2025
164
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wauna Federal Credit Union is a refinance and home-improvement lender in Oregon and Washington, with more loans on manufactured homes than almost any similar credit union.
Refinancing made up 65.0% of its loans and home improvement 26.7%; only 7.5% financed a purchase. Its loans rose 3% to 120, while similar lenders (credit unions making between half and twice as many loans) grew 8%. It has filed since 1994.
Manufactured homes account for 12.5% of its loans, a higher share than at more than nine in ten similar lenders, most of which make none. Some 17.0% of its loans were higher-priced (a rate well above the average for similar loans), against 2.8% at its peers. Loans on manufactured homes and home improvements often carry higher rates, and together they could account for most of that gap. Its typical rate, 6.74%, is almost the same as its peers' 6.75%.
Some 37.4% of its borrowers had low or moderate incomes, against 29.0% at similar lenders, a higher share than at about seven in ten of them. The share has risen from 33.6% a year earlier.
It ranks 69 of 397 lenders in non-metro Oregon, its largest market, where Rocket Mortgage leads. In Longview-Kelso it holds 0.1% of the market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wauna Federal Credit Union took 164 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.0% · Home improvement 26.7% · Purchase 7.5% · Other 0.8%
Conventional 100.0% · of 120 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oregon | 107 | 89.2% |
| Washington | 13 | 10.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 65 |
| Longview-Kelso | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LVO8UXHRM8O957 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 856186 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517990 | 1994–2017 |
Established 1 January 1967. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Wauna Federal Credit Union's data.
Wauna Federal Credit Union's data
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Wauna Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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