Safe Rate Rankings

Best Conventional Mortgage Credit Union 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.
Total Lenders9
Total Loans3,767
Median Rate Spread0.24%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
ONPOINT COMMUNITY CREDIT UNIONCredit Union
Exceptional
Strong
Strong
Strong
Exceptional
$1,545Fees
0.084%Above
93
2
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Sound
Sound
$784Fees
0.683%Below
23
3
Oregon State Credit UnionCredit Union
Strong
Sound
Sound
Strong
Strong
$1,839Fees
0.115%Above
39
4
FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union
Strong
Sound
Strong
Sound
Strong
$2,328Fees
0.027%Above
38
5
MARION AND POLK SCHOOLS CREDIT UNIONCredit Union
Strong
Sound
Acceptable
Sound
Strong
$1,642Fees
0.359%Above
38
6
OREGON COMMUNITYCredit Union
Sound
Acceptable
Sound
Sound
Strong
$2,890Fees
0.481%Above
26
7
Rivermark CommunityCredit Union
Sound
Acceptable
Sound
Sound
Sound
$2,263Fees
0.745%Above
11
8
Unitus Community Credit UnionCredit Union
Sound
Acceptable
Sound
Acceptable
Sound
$2,719Fees
0.594%Above
18

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 40 Points)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)

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.