Rogue Mortgage Rates, Fees & Info

Medford, OR

LEI: 549300HH0V8LECLNPQ26

Tax ID: 93-0491115

5 stars - Updated: 7/20/24 - out of 5 stars, based on 42 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Rogue is a smaller mortgage company specializing in Home Purchase loans. Rogue has a high proportion of conventional loans. Their top markets by origination volume include: Medford, Grants Pass, Roseburg, Klamath Falls, and Brookings among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

Rogue has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Rogue is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 7/20/24
30 Year Conventional Purchase 6.85% 7/20/24
30 Year Conventional Refi 6.68% 7/20/24
30 Year Cash-out Refi 6.87% 7/20/24
30 Year VA Purchase 6.27% 7/20/24
15 Year Conventional Purchase 7.51% 7/20/24
15 Year Conventional Refi 7.55% 7/20/24
15 Year Cash-out Refi 7.55% 7/20/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Rogue Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Rogue. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,791

Origination Dollar Volume (All Markets)

$256,735,000
Show all (6) awards

Relative Rate

Rogue's average 30 year fixed mortgage rate was 6.96%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.48%.

Relative Fees (Closing Costs)

Rogue's average total fees/closing costs for a 30 year fixed rate mortgage were $5,509.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
MEDFORD, OR (FHA|USDA|VA) 903 $130,985,000 $145,055 $3,465 8.17%
GRANTS PASS, OR (FHA|USDA|VA) 253 $33,915,000 $134,051 $3,213 8.10%
Roseburg, OR (FHA|USDA|VA) 141 $23,025,000 $163,298 $4,638 8.12%
Klamath Falls, OR (FHA|USDA|VA) 138 $14,240,000 $103,188 $2,612 8.62%
Brookings, OR (FHA|USDA|VA) 81 $13,105,000 $161,790 $3,084 8.28%
Ontario, OR-ID (FHA|USDA|VA) 107 $11,225,000 $104,907 $2,254 8.71%
Coos Bay, OR (FHA|USDA|VA) 31 $5,755,000 $185,645 $4,445 8.10%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 25 $5,465,000 $218,600 $4,739 7.67%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 14 $3,370,000 $240,714 $2,944 7.59%
Outside of Metro Areas 25 $2,925,000 $117,000 $3,803 8.36%
SALEM, OR (FHA|USDA|VA) 10 $2,550,000 $255,000 $5,835 7.97%
BOISE CITY, ID (FHA|USDA|VA) 12 $2,070,000 $172,500 $5,571 8.12%
BEND, OR (FHA|USDA|VA) 8 $1,760,000 $220,000 $2,851 8.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 14 $1,750,000 $125,000 $0 7.56%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $760,000 $380,000 $14,972 6.63%
Prineville, OR (FHA|USDA|VA) 1 $605,000 $605,000 $5,918 5.75%
Newport, OR (FHA|USDA|VA) 2 $450,000 $225,000 $4,506 8.93%
Crescent City, CA (FHA|USDA|VA) 5 $375,000 $75,000 $993 8.54%
TUCSON, AZ (FHA|USDA|VA) 4 $370,000 $92,500 $0 7.80%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.74%
CORVALLIS, OR (FHA|USDA|VA) 1 $295,000 $295,000 $9,723 5.88%
YUMA, AZ (FHA|USDA|VA) 3 $295,000 $98,333 $0 7.49%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $290,000 $145,000 $4,286 7.24%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,967 7.24%
Fredericksburg, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,901 7.24%
REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $5,329 7.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $4,350 7.24%
The Dalles, OR (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.49%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $55,000 $55,000 $2,910 6.99%
La Grande, OR (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.49%
Rogue's top markets include Medford, Grants Pass, Roseburg, Klamath Falls, and Brookings among others.

Their top states include:
  • Oregon (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against ROGUE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    INROADS
    Similarity Rank: 238
    IDAHO CENTRAL
    Similarity Rank: 416
    Clackamas Federal Credit Union
    Similarity Rank: 776
    COLUMBIA COMMUNITY CREDIT UNION
    Similarity Rank: 988
    MOUNTAIN WEST FINANCIAL, INC.
    Similarity Rank: 1200
    FIBRE FEDERAL CREDIT UNION
    Similarity Rank: 1281
    ADVANTIS
    Similarity Rank: 1288
    FIRST COLONY MORTGAGE CORPORATION
    Similarity Rank: 1460

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,107 $186,575,000 $168,541 $3,305 8.10%
    HELOC 654 $60,440,000 $92,416 n/a 8.47%
    VA 30 $9,720,000 $324,000 $8,153 6.60%

    For 2023, Rogue's most frequently originated type of loan was Conventional, with 1,107 originations. Their 2nd most popular type was HELOC, with 654 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 593 $149,465,000 $252,049 $5,896 7.15%
    Home Improvement 490 $34,780,000 $70,980 $383 8.67%
    Other 398 $24,950,000 $62,688 $408 9.17%
    Refi 204 $27,700,000 $135,784 $2,650 8.73%
    Cash Out Refi 106 $19,840,000 $187,170 $4,674 7.36%

    For 2023, Rogue's most frequently cited loan purpose was Home Purchase, with 593 originations. The 2nd most popular reason was Home Improvement, with 490 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 698 $66,210,000 $94,857 $4,766 8.42%
    30 Year 443 $128,455,000 $289,966 $5,509 6.96%
    20 Year 318 $23,750,000 $74,686 $518 9.09%
    10 Year 204 $8,310,000 $40,735 $395 8.92%
    15 Year 91 $12,265,000 $134,780 $3,353 8.42%
    30+ year 36 $17,730,000 $492,500 $13,604 7.19%
    5 Year 1 $15,000 $15,000 $0 6.74%

    For 2023, Rogue's most frequently cited loan duration was Other, with 698 originations. The 2nd most popular length was 30 Year, with 443 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 629 $76,195,000 $121,137
    $1k-2k 110 $30,160,000 $274,182
    $5k+ 78 $34,270,000 $439,359
    $2k-3k 77 $20,005,000 $259,805
    $3k-4k 44 $11,210,000 $254,773
    $4k-5k 36 $9,610,000 $266,944

    Rogue's average total fees were $5,509, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 629 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 911 $67,765,000 $74,385
    7-8% 518 $84,330,000 $162,799
    6-7% 321 $94,605,000 $294,720
    5-6% 40 $9,980,000 $249,500
    4-5% 1 $55,000 $55,000

    During 2023, Rogue's average interest rate for loans was 6.96%, while their most frequently originated rate bucket for loans was Over 8%, with 911 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 972 $49,580,000 $51,008 $633 8.82%
    $100k-200k 360 $49,090,000 $136,361 $3,412 7.99%
    $200k-400k 346 $97,990,000 $283,208 $5,890 7.15%
    $400k-600k 97 $45,805,000 $472,216 $7,747 6.90%
    $600k-1MM 14 $9,840,000 $702,857 $9,070 6.79%
    $1MM+ 2 $4,430,000 $2,215,000 $31,597 7.19%

    2023 saw Rogue place emphasis on $100,000 or less loans with 972 originations, totaling $49,580,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 478 $72,020,000 $150,669 $3,403 8.20%
    $50k-75k 435 $46,105,000 $105,989 $3,128 8.18%
    $75k-100k 374 $52,380,000 $140,053 $3,239 8.33%
    $150k-250k 223 $44,355,000 $198,901 $4,452 8.12%
    $50k or less 208 $17,490,000 $84,087 $2,600 8.31%
    $250k+ 62 $22,650,000 $365,323 $7,434 7.80%

    Rogue lent most frequently to those with incomes in the $100k-150k range, with 478 originations. The second most popular income band? $50k-75k, with 435 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 311 $40,355,000 $129,759 $3,151 8.00%
    30-36% 305 $48,535,000 $159,131 $4,010 8.14%
    44% 103 $12,205,000 $118,495 $2,495 8.86%
    <20% 91 $12,085,000 $132,802 $3,473 7.77%
    43% 88 $13,340,000 $151,591 $4,190 8.17%
    42% 87 $12,175,000 $139,943 $3,937 8.42%
    40% 85 $14,375,000 $169,118 $3,569 8.26%
    49% 83 $11,925,000 $143,675 $2,504 8.45%
    45% 78 $10,570,000 $135,513 $3,703 8.35%
    41% 72 $10,360,000 $143,889 $3,790 8.19%
    39% 71 $10,055,000 $141,620 $3,632 8.07%
    46% 66 $9,120,000 $138,182 $3,906 8.40%
    37% 64 $8,630,000 $134,844 $3,856 8.09%
    38% 64 $7,930,000 $123,906 $2,874 8.25%
    36% 63 $11,745,000 $186,429 $4,097 8.00%
    48% 61 $8,935,000 $146,475 $2,397 8.55%
    47% 60 $7,550,000 $125,833 $3,164 8.62%
    50-60% 33 $5,465,000 $165,606 $2,757 7.66%
    >60% 6 $1,380,000 $230,000 $6,537 7.60%

    Rogue lent most frequently to those with DTI ratios of 20-30%, with 311 originations. The next most common DTI ratio? 30-36%, with 305 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,519 $220,265,000 $145,007 $3,430 8.25%
    Not provided 197 $26,855,000 $136,320 $3,875 7.89%
    American Indian 50 $5,800,000 $116,000 $2,954 8.20%
    Black 8 $1,900,000 $237,500 $5,764 6.93%
    Asian 10 $1,380,000 $138,000 $2,994 8.37%
    Native Hawaiian or Islander 5 $405,000 $81,000 $2,999 8.32%
    Asian Indian 1 $95,000 $95,000 $297 9.74%
    Filipino 1 $35,000 $35,000 $0 7.49%

    Approval Rates

    Total approvals of all applications
    86.50%

    Rogue has an average approval rate.

    Pick Rate

    Approvals leading to origination
    70.07%

    Rogue has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 4 $390,000 $97,500
    1002.0 1 $45,000 $45,000
    1015.82 1 $25,000 $25,000
    102.0 5 $455,000 $91,000
    1020.91 1 $75,000 $75,000
    1083.43 1 $75,000 $75,000
    1103.87 1 $175,000 $175,000
    1151.71 1 $115,000 $115,000
    1193.0 1 $55,000 $55,000
    1202.0 1 $175,000 $175,000
    121.75 1 $105,000 $105,000
    1255.1 1 $215,000 $215,000
    1302.0 1 $175,000 $175,000
    1308.92 1 $95,000 $95,000
    1361.44 1 $185,000 $185,000
    1363.0 1 $55,000 $55,000
    1381.08 1 $125,000 $125,000
    1396.38 1 $105,000 $105,000
    1407.2 1 $155,000 $155,000
    1433.36 1 $115,000 $115,000
    1438.33 1 $125,000 $125,000
    1494.2 1 $125,000 $125,000
    15.0 6 $260,000 $43,333
    1565.49 1 $155,000 $155,000
    1717.86 1 $85,000 $85,000
    1800.59 1 $85,000 $85,000
    2188.35 1 $85,000 $85,000
    227.0 1 $65,000 $65,000
    252.0 1 $35,000 $35,000
    282.0 1 $65,000 $65,000
    352.0 1 $125,000 $125,000
    373.5 1 $95,000 $95,000
    402.0 1 $125,000 $125,000
    468.0 1 $35,000 $35,000
    474.5 1 $105,000 $105,000
    477.0 7 $345,000 $49,286
    497.0 3 $245,000 $81,667
    501.0 1 $105,000 $105,000
    502.0 1 $35,000 $35,000
    527.0 1 $85,000 $85,000
    547.0 1 $35,000 $35,000
    552.0 12 $700,000 $58,333
    577.0 3 $255,000 $85,000
    589.5 1 $75,000 $75,000
    597.0 4 $300,000 $75,000
    602.0 13 $1,325,000 $101,923
    607.0 1 $105,000 $105,000
    625.5 1 $95,000 $95,000
    627.0 8 $540,000 $67,500
    642.0 1 $105,000 $105,000
    647.0 1 $115,000 $115,000
    649.0 1 $45,000 $45,000
    650.0 1 $55,000 $55,000
    652.0 7 $1,025,000 $146,429
    662.0 1 $95,000 $95,000
    672.0 1 $135,000 $135,000
    674.0 1 $125,000 $125,000
    677.0 5 $235,000 $47,000
    679.19 1 $115,000 $115,000
    690.0 1 $135,000 $135,000
    692.0 1 $135,000 $135,000
    697.0 1 $105,000 $105,000
    700.0 1 $55,000 $55,000
    702.0 2 $290,000 $145,000
    718.0 2 $220,000 $110,000
    726.0 1 $75,000 $75,000
    727.0 1 $65,000 $65,000
    744.0 1 $95,000 $95,000
    744.5 1 $135,000 $135,000
    750.0 1 $125,000 $125,000
    752.0 3 $475,000 $158,333
    777.0 1 $255,000 $255,000
    794.0 1 $95,000 $95,000
    813.0 1 $155,000 $155,000
    817.0 1 $145,000 $145,000
    852.0 1 $25,000 $25,000
    87.0 5 $295,000 $59,000
    890.0 1 $85,000 $85,000
    913.2 2 $200,000 $100,000
    914.5 1 $145,000 $145,000
    934.0 1 $125,000 $125,000
    943.2 1 $115,000 $115,000
    957.6 1 $145,000 $145,000
    NA 1,634 $242,260,000 $148,262

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,791 $256,735,000 $143,347

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 306 $40,030,000 $130,817 $2,386 8.38%
    40-60% 126 $25,580,000 $203,016 $4,763 7.69%
    60-80% 231 $64,305,000 $278,377 $6,736 7.39%
    80-100% 304 $82,880,000 $272,632 $5,813 7.00%
    Over 100% 8 $2,880,000 $360,000 $13,782 6.90%
    Under 20% 816 $41,060,000 $50,319 $435 8.92%