# SELCO COMMUNITY

> **Canonical URL:** https://saferate.com/lenders/selco-community

> **📋 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

SELCO COMMUNITY is a credit union, headquartered in Springfield, OR, with 169 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% 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):** 5493003WLEYGXGNTI654
- **Headquarters:** Springfield, OR
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OR
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** -0.273%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,839
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 169
- **Dollar Volume:** $61 million
- **Applications Received:** 169
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $358,728
- **Average Borrower Income:** $153,680

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 159 | -0.277% | $1,824 | Sound ☺️ |
| Jumbo | 61/100 | 10 | -0.207% | $2,118 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 107 loans, Score: 50/100 (Sound)
- Refinance: 52 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 113 | $43M | -0.353% | Sound ☺️ |
| Refinance | 62/100 | 56 | $18M | -0.100% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 169 | 0.40% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Eugene | OR | 89 | 85/100 |
| Bend, OR | OR | 56 | 85/100 |

## Frequently Asked Questions

### What loan types does SELCO COMMUNITY offer?

SELCO COMMUNITY offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SELCO COMMUNITY offer mortgages?

SELCO COMMUNITY offers mortgages in 1 states: OR.

### How competitive are SELCO COMMUNITY's mortgage rates?

SELCO COMMUNITY has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.273% below market average.

### What type of lender is SELCO COMMUNITY?

SELCO COMMUNITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Springfield, OR.

### What is SELCO COMMUNITY's loan approval success rate?

SELCO COMMUNITY 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/selco-community

### How to Cite

> "SELCO COMMUNITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/selco-community

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