Marion and Polk Schools Credit Union in Oregon vs the state
13.0%Denial rate-2.31 pts vs state
15.2%Decision denial rate-3.93 pts vs state
70.9%Origination rate+10.32 pts vs state
7.25%Median rate+0.50 pts vs state
0.05Rate spread (pts)-0.23 pts vs state
$120kMedian applicant income
791Loans originated
145Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,111 | 818 | 12.3% | 8.25% | #26 |
| 2024 | 955 | 677 | 11.4% | 7.75% | #42 |
| 2025 | 1,115 | 791 | 13.0% | 7.25% | #38 |
What Marion and Polk Schools Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Marion and Polk Schools Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 757 | 535 | 94 | 12.4% |
| Polk County | 194 | 143 | 26 | 13.4% |
| Linn County | 37 | 28 | 5 | 13.5% |
| Clackamas County | 28 | 18 | 7 | 25.0% |
| Multnomah County | 26 | 18 | 3 | 11.5% |
| Yamhill County | 17 | 9 | 6 | 35.3% |
| Washington County | 14 | 9 | 2 | 14.3% |
| Benton County | 10 | 7 | 0 | 0.0% |
| Lincoln County | 7 | 4 | 2 | 28.6% |
| Lane County | 7 | 7 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 1,115 applications in 2025, of which 791 were originated and 145 denied.
13.0% of all applications, or 15.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Marion and Polk Schools Credit Union originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Marion and Polk Schools Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology