Safe Rate Rankings

Best Credit Union Mortgage Lenders in Salem

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders6

Total Loans301

Median Rate Spread0.04%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$1,545Fees	0.084%Above	93
2	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$2,328Fees	0.027%Above	38
3	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$784Fees	0.683%Below	23
4	Oregon State Credit UnionCredit Union	Strong	Sound	Sound	Strong	$1,839Fees	0.115%Above	39
5	MARION AND POLK SCHOOLS CREDIT UNIONCredit Union	Strong	Sound	Acceptable	Strong	$1,642Fees	0.359%Above	38
6	OREGON COMMUNITYCredit Union	Sound	Acceptable	Sound	Strong	$2,890Fees	0.481%Above	26

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.