MARION AND POLK SCHOOLS CREDIT UNION
MARION AND POLK SCHOOLS CREDIT UNION received 1,122 applications in 2025 and made 792 mortgages, in 56 counties across 7 states. The median rate its borrowers got was 7.250% on a median loan of $135,000. Of 957 decisions, 149 were denials — 15.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CDLJDN8ENOT455 |
|---|---|
| Applications received | 1,122 |
| Mortgages made | 792 |
| Denied | 149 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 165 |
| Loans bought from other lenders | 152 |
| Median rate spread over the prime offer rate | 0.05 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 109 | 7.000% | $305,000 | 9.7% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 13 | 6.500% | $275,000 | 13.3% |
| Other purposes | 662 | 7.250% | $115,000 | 16.6% |
Where MARION AND POLK SCHOOLS CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, OR | 535 | 7.250% | 14.7% |
| Polk County, OR | 143 | 7.250% | 15.1% |
| Linn County, OR | 28 | 7.250% | 15.2% |
| Clackamas County, OR | 18 | 7.000% | 28.0% |
| Multnomah County, OR | 18 | 7.250% | 14.3% |
| Washington County, OR | 9 | Under 10 loans | 18.2% |
| Yamhill County, OR | 9 | Under 10 loans | 40.0% |
| Benton County, OR | 7 | Under 10 loans | 0.0% |
| Lane County, OR | 7 | Under 10 loans | 0.0% |
| Lincoln County, OR | 4 | Under 10 loans | 33.3% |
| Douglas County, OR | 2 | Under 10 loans | 0.0% |
| Josephine County, OR | 2 | Under 10 loans | 0.0% |
| Tillamook County, OR | 2 | Under 10 loans | 0.0% |
| Union County, OR | 2 | Under 10 loans | 0.0% |
| Clatsop County, OR | 1 | Under 10 loans | 0.0% |
| Coos County, OR | 1 | Under 10 loans | 0.0% |
| Crook County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Mohave County, AZ | 0 | Under 10 loans | Not published |
| Pinal County, AZ | 0 | Under 10 loans | Not published |
| Yavapai County, AZ | 0 | Under 10 loans | Not published |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| El Dorado County, CA | 0 | Under 10 loans | 100.0% |
| Fresno County, CA | 0 | Under 10 loans | Not published |
| Kings County, CA | 0 | Under 10 loans | Not published |
| Los Angeles County, CA | 0 | Under 10 loans | 100.0% |
| Napa County, CA | 0 | Under 10 loans | Not published |
| Orange County, CA | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| San Joaquin County, CA | 0 | Under 10 loans | Not published |
| San Mateo County, CA | 0 | Under 10 loans | Not published |
| Santa Barbara County, CA | 0 | Under 10 loans | Not published |
| Santa Clara County, CA | 0 | Under 10 loans | Not published |
| Solano County, CA | 0 | Under 10 loans | Not published |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
| Stanislaus County, CA | 0 | Under 10 loans | Not published |
| Tulare County, CA | 0 | Under 10 loans | Not published |
| Ventura County, CA | 0 | Under 10 loans | Not published |
| Yolo County, CA | 0 | Under 10 loans | Not published |
| Jefferson County, KY | 0 | Under 10 loans | Not published |
| Union County, MS | 0 | Under 10 loans | Not published |
| McDowell County, NC | 0 | Under 10 loans | Not published |
| Douglas County, WA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.