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Oregon State Credit Union

Credit Union•Corvallis, ORHQ•Direct•Reviews near you on Google

Oregon State Credit Union has 145 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

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Report Card

Oregon State Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+7.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume141
Mix97.2%
Spread
+0.076%Above
Fees
$2,584Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume122
Mix84.1%
Spread
+0.049%Above
Fees
$2,781Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume23
Mix15.9%
Spread
+0.180%Above
Fees
$1,810Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
145
Applications
203
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.070%
vs. market APOR
Avg Net Fees
$2,628
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$358,379
Avg Borrower Income
$185,524
Avg Property Value
$518,379

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West2
ORWA

Top Metro Areas by Place Specialization Score

1© Steve Morgan · CC BY-SA 4.0
Corvallis, ORMetro
Volume 42Mix 28.97% of portfolio
94/100
Exceptional
2© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, ORMetro
Volume 21Mix 14.48% of portfolio
74/100
Strong
3© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 39Mix 26.90% of portfolio
72/100
Strong
4© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 13Mix 8.97% of portfolio
47/100
Sound

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 143Mix 98.62% of portfolio
77/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.