Rogue Mortgage Rates, Fees & Info
Medford, ORLEI: 549300HH0V8LECLNPQ26
Tax ID: 93-0491115
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Rogue is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Rogue has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Medford, Grants Pass, Roseburg, Brookings, and Klamath Falls among others. Rogue has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Rogue is typically an average fee lendor.Originations
2,488Origination Dollar Volume (All Markets)
$454,600,000Awards
ROGUE - 2021
ROGUE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Rogue's average 30 year fixed rate mortgage of loans were
3.31%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.16%.
Relative Fees
Rogue's average total fees for a 30 year fixed rate
mortgage are $4,490.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MEDFORD, OR (FHA|USDA|VA) | 1,298 | $244,580,000 | $188,428 | $3,558 | 3.70% |
| GRANTS PASS, OR (FHA|USDA|VA) | 354 | $66,850,000 | $188,842 | $3,626 | 3.67% |
| Roseburg, OR (FHA|USDA|VA) | 188 | $37,810,000 | $201,117 | $4,488 | 3.68% |
| Brookings, OR (FHA|USDA|VA) | 148 | $29,090,000 | $196,554 | $3,073 | 3.77% |
| Klamath Falls, OR (FHA|USDA|VA) | 197 | $27,235,000 | $138,249 | $3,414 | 3.81% |
| Ontario, OR-ID (FHA|USDA|VA) | 169 | $21,675,000 | $128,254 | $2,490 | 3.50% |
| Coos Bay, OR (FHA|USDA|VA) | 36 | $7,450,000 | $206,944 | $3,753 | 3.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $4,740,000 | $338,571 | $4,462 | 3.46% |
| Outside of Metro Areas | 28 | $4,360,000 | $155,714 | $3,429 | 3.55% |
| Crescent City, CA (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $3,431 | 3.22% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 12 | $1,870,000 | $155,833 | $3,259 | 4.04% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $1,765,000 | $160,455 | $3,439 | 3.94% |
| BEND, OR (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $5,976 | 3.95% |
| SALEM, OR (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $3,815 | 3.90% |
| Newport, OR (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,301 | 3.00% |
| Outside of Metro Areas | 1 | $435,000 | $435,000 | $4,646 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,430 | 3.38% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,970 | 4.06% |
| CHICO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,439 | 3.25% |
| Prineville, OR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,393 | 3.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,345 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $270 | 4.24% |
Rogue's top markets include Medford, Grants Pass, Roseburg, Brookings, and Klamath Falls among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,358 | $416,450,000 | $176,612 | $3,345 | 3.74% |
| VA | 129 | $37,915,000 | $293,915 | $5,823 | 2.76% |
| FHA | 1 | $235,000 | $235,000 | $4,819 | 3.50% |
For the 2021 period, Rogue's most frequently originated loan type of loans were Conventional, with 2,358 originations. Their 2nd most popular type is VA, with 129 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 667 | $197,005,000 | $295,360 | $4,626 | 3.31% |
| Home Improvement | 547 | $36,345,000 | $66,444 | $359 | 4.24% |
| Refi | 521 | $95,205,000 | $182,735 | $3,399 | 3.53% |
| Cash Out Refi | 470 | $103,210,000 | $219,596 | $4,072 | 3.37% |
| Other | 283 | $22,835,000 | $80,689 | $352 | 4.36% |
For the 2021, Rogue's most frequently cited loan purpose of loans were Home Purchase, with 667 originations. The 2nd most popular reason of loans were Home Improvement, with 547 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,063 | $295,875,000 | $278,340 | $4,490 | 3.31% |
| Other | 637 | $55,605,000 | $87,292 | $0 | 4.20% |
| 15 Year | 306 | $55,260,000 | $180,588 | $3,228 | 3.41% |
| 20 Year | 305 | $30,905,000 | $101,328 | $1,370 | 4.09% |
| 10 Year | 157 | $8,375,000 | $53,344 | $715 | 3.95% |
| 30+ year | 20 | $8,580,000 | $429,000 | $11,137 | 4.13% |
For the 2021, Rogue's most frequently cited loan length of loans were 30 Year, with 1,063 originations. The 2nd most popular length of loans were Other, with 637 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,151 | $217,245,000 | $188,745 |
| $1k-2k | 316 | $75,680,000 | $239,494 |
| $2k-3k | 130 | $34,420,000 | $264,769 |
| $3k-4k | 93 | $26,355,000 | $283,387 |
| $5k+ | 68 | $28,440,000 | $418,235 |
$4,490 of loans were Rogue's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,151 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,548 | $290,890,000 | $187,913 |
| 2.5-3% | 444 | $105,920,000 | $238,559 |
| 4-5% | 333 | $36,315,000 | $109,054 |
| <2.5% | 60 | $14,330,000 | $238,833 |
| 5-6% | 57 | $4,165,000 | $73,070 |
| 6-7% | 19 | $1,025,000 | $53,947 |
| 7-8% | 19 | $1,385,000 | $72,895 |
| Over 8% | 8 | $570,000 | $71,250 |
During 2021, Rogue's average interest rate of loans were 3.31%, while their most frequently originated rate bucket of loans were 3-4%, with 1,548 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 887 | $46,435,000 | $52,351 | $994 | 4.20% |
| $200k-400k | 772 | $218,150,000 | $282,578 | $4,627 | 3.32% |
| $100k-200k | 646 | $93,570,000 | $144,845 | $3,115 | 3.55% |
| $400k-600k | 142 | $66,280,000 | $466,761 | $5,949 | 3.28% |
| $600k-1MM | 38 | $26,710,000 | $702,895 | $7,721 | 3.41% |
| $1MM+ | 3 | $3,455,000 | $1,151,667 | $14,358 | 4.21% |
2021 saw Rogue place emphasis on $100,000 or less loans with 887 originations, totaling $46,435,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 652 | $110,060,000 | $168,804 | $3,412 | 3.65% |
| $100k-150k | 524 | $99,870,000 | $190,592 | $3,737 | 3.81% |
| $50k or less | 485 | $61,735,000 | $127,289 | $3,037 | 3.58% |
| $75k-100k | 484 | $88,920,000 | $183,719 | $3,528 | 3.69% |
| $150k-250k | 246 | $60,840,000 | $247,317 | $3,995 | 3.80% |
| $250k+ | 82 | $30,450,000 | $371,341 | $5,991 | 3.60% |
Rogue lent most frequently to those with incomes in the $50k-75k range, with 652 originations. The second most popular income band? $100k-150k, with 524 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 585 | $98,645,000 | $168,624 | $3,318 | 3.68% |
| 30-36% | 492 | $88,370,000 | $179,614 | $3,523 | 3.71% |
| <20% | 186 | $33,100,000 | $177,957 | $3,180 | 3.44% |
| 42% | 114 | $24,870,000 | $218,158 | $4,342 | 3.74% |
| 40% | 106 | $20,510,000 | $193,491 | $3,489 | 3.58% |
| 41% | 106 | $17,210,000 | $162,358 | $3,169 | 3.74% |
| 43% | 99 | $20,265,000 | $204,697 | $3,879 | 3.75% |
| 39% | 98 | $17,070,000 | $174,184 | $3,256 | 3.78% |
| 44% | 89 | $18,805,000 | $211,292 | $3,818 | 3.64% |
| 36% | 89 | $17,455,000 | $196,124 | $3,520 | 3.66% |
| 38% | 85 | $13,605,000 | $160,059 | $3,312 | 3.82% |
| 37% | 83 | $16,375,000 | $197,289 | $3,617 | 3.67% |
| 45% | 72 | $10,410,000 | $144,583 | $3,324 | 3.96% |
| 47% | 71 | $13,615,000 | $191,761 | $3,485 | 3.85% |
| 46% | 59 | $11,895,000 | $201,610 | $3,428 | 3.74% |
| 48% | 58 | $11,430,000 | $197,069 | $4,409 | 3.78% |
| 49% | 58 | $11,790,000 | $203,276 | $3,913 | 3.72% |
| 50-60% | 25 | $6,555,000 | $262,200 | $6,164 | 3.30% |
| >60% | 8 | $2,060,000 | $257,500 | $3,683 | 2.92% |
Rogue lent most frequently to those with DTI ratios of 20-30%, with 585 originations. The next most common DTI ratio? 30-36%, with 492 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,249 | $414,635,000 | $184,364 | $3,567 | 3.66% |
| Not provided | 151 | $20,085,000 | $133,013 | $2,282 | 4.23% |
| American Indian | 42 | $8,320,000 | $198,095 | $3,767 | 3.51% |
| Asian | 18 | $5,550,000 | $308,333 | $4,501 | 3.54% |
| Black | 13 | $3,685,000 | $283,462 | $4,766 | 3.62% |
| Native Hawaiian | 11 | $2,115,000 | $192,273 | $3,675 | 3.95% |
| Not applicable | 3 | $135,000 | $45,000 | $807 | 5.57% |
| Asian Indian | 1 | $75,000 | $75,000 | $332 | 3.74% |
Approval Rates
Total approvals of all applications89.50%
Rogue has an average approval rate.
Pick Rate
Approvals leading to origination71.05%
Rogue has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,488 | $454,600,000 | $182,717 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,488 | $454,600,000 | $182,717 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 410 | $47,760,000 | $116,488 | $2,224 | 3.81% |
| 40-60% | 336 | $72,100,000 | $214,583 | $3,726 | 3.36% |
| 60-80% | 548 | $149,770,000 | $273,303 | $4,538 | 3.50% |
| 80-100% | 450 | $142,130,000 | $315,844 | $4,672 | 3.21% |
| Over 100% | 14 | $4,540,000 | $324,286 | $11,840 | 2.87% |
| Under 20% | 730 | $38,300,000 | $52,466 | $609 | 4.24% |
