# Oregon State Credit Union

> **Canonical URL:** https://saferate.com/lenders/oregon-state-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

Oregon State Credit Union is a credit union, headquartered in Corvallis, OR, serving borrowers across 2 states, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900Z8J5L9POS71X51
- **Headquarters:** Corvallis, OR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,628
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $52 million
- **Applications Received:** 203
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $358,379
- **Average Borrower Income:** $185,524

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 141 | +0.076% | $2,584 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 118 loans, Score: 57/100 (Sound)
- Refinance: 23 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 122 | $47M | +0.049% | Sound ☺️ |
| Refinance | 35/100 | 23 | $5M | +0.180% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 143 | 0.34% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Corvallis, OR | OR | 42 | 94/100 |
| Salem, OR | OR | 39 | 72/100 |
| Albany, OR | OR | 21 | 74/100 |
| Non |  | 19 | 33/100 |
| Portland | OR-WA | 13 | 47/100 |

## Frequently Asked Questions

### What loan types does Oregon State Credit Union offer?

Oregon State 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 Oregon State Credit Union offer mortgages?

Oregon State Credit Union offers mortgages in 2 states: OR, WA.

### How competitive are Oregon State Credit Union's mortgage rates?

Oregon State Credit Union has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is Oregon State Credit Union?

Oregon State Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Corvallis, OR.

### What is Oregon State Credit Union's loan approval success rate?

Oregon State Credit Union has a pull-through score of 54/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/oregon-state-credit-union

### How to Cite

> "Oregon State Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oregon-state-credit-union

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