What loan types does Marion and Polk Schools Credit Union offer?

Marion and Polk Schools Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Marion and Polk Schools Credit Union offer mortgages?

Marion and Polk Schools Credit Union offers mortgages in 1 states: OR.

How competitive are Marion and Polk Schools Credit Union's mortgage rates?

Marion and Polk Schools Credit Union has an overall pricing score of 52.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Marion and Polk Schools Credit Union?

Marion and Polk Schools Credit Union is a Credit Union headquartered in Salem, OR.

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Marion and Polk Schools Credit Union

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

Marion and Polk Schools Credit Union has 50 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Marion and Polk Schools Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+33.8 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

49 loans · 0.34% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

39 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

11 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Sound	49	98.0%	+0.342%Above	$1,644Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume49

Mix98.0%

Spread

+0.342%Above

Fees

$1,644Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Acceptable	39	78.0%	+0.388%Above	$1,547Fees
Refinance	Acceptable	Acceptable	—	Acceptable	11	22.0%	+0.118%Above	$2,058Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume39

Mix78.0%

Spread

+0.388%Above

Fees

$1,547Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume11

Mix22.0%

Spread

+0.118%Above

Fees

$2,058Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$18 million

Pricing & Closing

Avg Rate Spread

+0.338%

vs. market APOR

Avg Net Fees

$1,641

Origination − Credits

Pullthrough Rate

58.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$379,800

Avg Borrower Income

$141,480

Avg Property Value

$538,400

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Salem, ORMetro

Volume 38Mix 76.00% of portfolio

75/100

Strong

Top States by Place Specialization Score

OregonState

Volume 50Mix 100.00% of portfolio

67/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.