# MARION AND POLK SCHOOLS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/marion-and-polk-schools-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MARION AND POLK SCHOOLS CREDIT UNION is a credit union, headquartered in Salem, OR, with 50 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CDLJDN8ENOT455
- **Headquarters:** Salem, OR
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OR
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.338%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,641
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 50
- **Dollar Volume:** $19 million
- **Applications Received:** 86
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $379,800
- **Average Borrower Income:** $141,480
- **Average Property Value:** $538,400

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 49 | +0.342% | $1,644 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 38 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 39 | $15M | +0.388% | Acceptable 🙂 |
| Refinance | 24/100 | 11 | $4M | +0.118% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 50 | 0.12% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salem, OR | OR | 38 | 75/100 |

## Where This Lender Ranks

MARION AND POLK SCHOOLS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Salem, OR Credit Unions
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Salem, OR for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does MARION AND POLK SCHOOLS CREDIT UNION offer?

MARION AND POLK SCHOOLS CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MARION AND POLK SCHOOLS CREDIT UNION offer mortgages?

MARION AND POLK SCHOOLS CREDIT UNION offers mortgages in 1 states: OR.

### How competitive are MARION AND POLK SCHOOLS CREDIT UNION's mortgage rates?

MARION AND POLK SCHOOLS CREDIT UNION has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.338% above market average.

### What type of lender is MARION AND POLK SCHOOLS CREDIT UNION?

MARION AND POLK SCHOOLS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Salem, OR.

### What is MARION AND POLK SCHOOLS CREDIT UNION's loan approval success rate?

MARION AND POLK SCHOOLS CREDIT UNION has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/marion-and-polk-schools-credit-union

### How to Cite

> "MARION AND POLK SCHOOLS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/marion-and-polk-schools-credit-union

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