Applications / Mortgage Analytics / Lenders / Oregon / Marion & Polk Schools Credit Union
Salem, OR · Credit union · NCUA · $1.5 billion assets · 792 loans in 2025
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792
loans originated, 2025
1,122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marion & Polk Schools Credit Union is a Salem lender of home-improvement and other-purpose loans that grew 17% in 2025 and ranks fourth in its home market.
Home improvement was 44.8% of its loans and other purposes 38.8%; purchases were 13.8% and refinances 2.7%. That makes it chiefly a lender to existing homeowners rather than to buyers. It also bought 152 loans from other lenders, where the typical similar lender (credit unions making between half and twice as many loans) bought none.
Originations rose 17% to 792, against 8% for the typical peer and 10% for the whole market, faster than about two-thirds of peers. Its typical loan rose from $115,000 to $135,000.
In Salem it ranks 4 of 325 lenders, with 4.3% of the dollars against 3.9% a year earlier, behind United Wholesale Mortgage, Rocket Mortgage and Guild Mortgage Company. It has lent there since before 1990. Its share in Albany also rose, from 0.5% to 0.7%.
7.4% of its loans were in low- and moderate-income (LMI) tracts, against 15.1% for peers, among the lowest few; five years earlier it was 15.1%. Its share to LMI borrowers, 17.4%, was also lower than at more than four in five peers. Possible reasons are the tracts its 20 counties contain and a mix weighted to loans for existing owners.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Marion & Polk Schools Credit Union took 1,122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.8% · Other 38.8% · Purchase 13.8% · Refinance 2.7%
Conventional 100.0% · of 792 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oregon | 791 | 99.9% |
| Washington | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salem | 678 |
| Portland-Vancouver-Hillsboro | 55 |
| Albany | 28 |
| Corvallis | 7 |
| Eugene-Springfield | 7 |
| Bend | 2 |
| Grants Pass | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CDLJDN8ENOT455 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 278797 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564166 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Marion & Polk Schools Credit Union's data.
Marion & Polk Schools Credit Union's data
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Marion & Polk Schools Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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