Rogue Mortgage Rates, Fees & Info

Medford, OR

LEI: 549300HH0V8LECLNPQ26

Tax ID: 93-0491115

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Mortgage Data

Review & Overview

Rogue is a smaller mortgage company specializing in Home Purchase 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Medford, Grants Pass, Brookings, Roseburg, and Klamath Falls among others. We have data for 23 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 a low 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 about average 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% 12/5/24
30 Year Conventional Purchase 6.85% 12/5/24
30 Year Conventional Refi 6.68% 12/5/24
30 Year Cash-out Refi 6.87% 12/5/24
30 Year VA Purchase 6.27% 12/5/24
15 Year Conventional Purchase 7.51% 12/5/24
15 Year Conventional Refi 7.55% 12/5/24
15 Year Cash-out Refi 7.55% 12/5/24
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

1,516

Origination Dollar Volume (All Markets)

$224,510,000

Awards

ROGUE 30 Year Conventional Loans gold ROGUE 30 Year Conventional Loans gold ROGUE 30 Year Conventional Loans gold ROGUE 30 Year Conventional Loans gold
Show all (4) awards

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) 869 $129,645,000 $149,189 $2,187 5.22%
GRANTS PASS, OR (FHA|USDA|VA) 242 $36,010,000 $148,802 $2,166 5.11%
Brookings, OR (FHA|USDA|VA) 116 $18,330,000 $158,017 $2,403 5.00%
Roseburg, OR (FHA|USDA|VA) 104 $12,950,000 $124,519 $2,641 5.34%
Klamath Falls, OR (FHA|USDA|VA) 106 $11,440,000 $107,925 $1,763 5.31%
Coos Bay, OR (FHA|USDA|VA) 19 $3,475,000 $182,895 $2,077 4.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 12 $3,220,000 $268,333 $2,426 4.97%
BEND, OR (FHA|USDA|VA) 8 $2,170,000 $271,250 $2,976 4.66%
Crescent City, CA (FHA|USDA|VA) 9 $2,025,000 $225,000 $3,424 4.44%
SALEM, OR (FHA|USDA|VA) 4 $980,000 $245,000 $2,035 4.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $780,000 $390,000 $5,479 4.50%
Outside of Metro Areas 6 $720,000 $120,000 $3,044 4.71%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $405,000 $405,000 $10,525 5.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 4 $380,000 $95,000 $1,338 6.12%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $360,000 $60,000 $889 6.33%
Astoria, OR (FHA|USDA|VA) 1 $315,000 $315,000 $3,285 4.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $315,000 $315,000 $2,426 4.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $8,376 5.00%
Durant, OK (FHA|USDA|VA) 1 $205,000 $205,000 $8,795 4.75%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,315 4.50%
Ontario, OR-ID (FHA|USDA|VA) 1 $185,000 $185,000 $2,421 4.38%
MIDLAND, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,640 4.75%
Prineville, OR (FHA|USDA|VA) 1 $55,000 $55,000 $1,728 7.74%
Rogue's top markets include Medford, Grants Pass, Brookings, Roseburg, and Klamath Falls among others.

Their top states include:
  • Oregon (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Michigan (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.

    IDAHO CENTRAL
    Similarity Rank: 216
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    INROADS
    Similarity Rank: 549
    iQ Credit Union
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    Clackamas Federal Credit Union
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    OREGONIANS CREDIT UNION
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    CASTPARTS EMPLOYEES
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    Consolidated Federal Credit Union
    Similarity Rank: 1220
    First Federal
    Similarity Rank: 1240

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,445 $204,915,000 $141,810 $2,064 5.24%
    VA 64 $17,970,000 $280,781 $5,230 3.98%
    FHA 6 $1,380,000 $230,000 $7,171 4.63%
    USDA 1 $245,000 $245,000 $8,411 4.75%

    For 2019, Rogue's most frequently originated type of loan was Conventional, with 1,445 originations. Their 2nd most popular type was VA, with 64 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 531 $119,825,000 $225,659 $3,489 4.68%
    Cash Out Refi 266 $52,530,000 $197,481 $3,957 4.59%
    Other 249 $10,655,000 $42,791 $285 6.11%
    Home Improvement 239 $10,905,000 $45,628 $338 5.99%
    Refi 231 $30,595,000 $132,446 $1,521 5.22%

    For 2019, Rogue's most frequently cited loan purpose was Home Purchase, with 531 originations. The 2nd most popular reason was Cash Out Refi, with 266 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 694 $166,040,000 $239,251 $3,688 4.35%
    20 Year 393 $27,625,000 $70,293 $583 5.91%
    10 Year 268 $11,250,000 $41,978 $284 5.95%
    15 Year 133 $18,735,000 $140,865 $3,507 5.48%
    Other 20 $550,000 $27,500 $98 7.52%
    5 Year 6 $140,000 $23,333 $177 5.62%
    1 Year 1 $155,000 $155,000 $0 6.50%
    3 Year 1 $15,000 $15,000 $0 5.24%

    For 2019, Rogue's most frequently cited loan duration was 30 Year, with 694 originations. The 2nd most popular length was 20 Year, with 393 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,147 $147,855,000 $128,906
    $1k-2k 139 $33,655,000 $242,122
    $2k-3k 74 $17,970,000 $242,838
    $3k-4k 30 $8,370,000 $279,000
    $4k-5k 16 $4,580,000 $286,250
    $5k+ 16 $5,500,000 $343,750

    Rogue's average total fees were $3,688, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,147 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 502 $100,350,000 $199,900
    5-6% 386 $30,420,000 $78,808
    3-4% 315 $76,255,000 $242,079
    6-7% 176 $9,340,000 $53,068
    7-8% 87 $5,445,000 $62,586
    Over 8% 47 $2,075,000 $44,149
    2.5-3% 3 $625,000 $208,333

    During 2019, Rogue's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 502 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 716 $34,170,000 $47,723 $543 6.01%
    $200k-400k 403 $108,305,000 $268,747 $4,021 4.31%
    $100k-200k 333 $50,325,000 $151,126 $2,799 4.66%
    $400k-600k 57 $26,775,000 $469,737 $5,099 4.26%
    $600k-1MM 7 $4,935,000 $705,000 $5,136 4.07%

    2019 saw Rogue place emphasis on $100,000 or less loans with 716 originations, totaling $34,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 433 $60,145,000 $138,903 $2,314 5.22%
    $50k or less 347 $36,875,000 $106,268 $2,107 5.07%
    $75k-100k 304 $45,080,000 $148,289 $2,204 5.28%
    $100k-150k 266 $46,030,000 $173,045 $2,143 5.24%
    $150k-250k 107 $21,705,000 $202,850 $2,255 5.21%
    $250k+ 27 $8,515,000 $315,370 $3,503 4.83%

    Rogue lent most frequently to those with incomes in the $50k-75k range, with 433 originations. The second most popular income band? $50k or less, with 347 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 295 $40,625,000 $137,712 $2,006 5.22%
    20-30% 285 $41,375,000 $145,175 $2,321 4.92%
    <20% 77 $13,345,000 $173,312 $2,558 4.84%
    42% 69 $10,015,000 $145,145 $2,597 5.30%
    44% 66 $9,790,000 $148,333 $2,450 5.29%
    48% 66 $7,880,000 $119,394 $1,354 5.42%
    39% 65 $10,345,000 $159,154 $2,663 5.15%
    45% 65 $9,325,000 $143,462 $2,179 5.30%
    37% 64 $9,310,000 $145,469 $2,059 5.61%
    43% 61 $10,335,000 $169,426 $2,461 5.04%
    40% 57 $9,215,000 $161,667 $2,465 5.20%
    41% 56 $8,830,000 $157,679 $2,381 5.15%
    49% 55 $7,685,000 $139,727 $2,130 5.37%
    38% 54 $7,820,000 $144,815 $1,934 5.40%
    46% 52 $7,530,000 $144,808 $1,654 5.51%
    47% 52 $6,980,000 $134,231 $2,151 5.51%
    36% 42 $6,790,000 $161,667 $2,237 5.08%
    50-60% 31 $5,875,000 $189,516 $3,437 5.09%
    >60% 4 $1,440,000 $360,000 $3,821 3.59%

    Rogue lent most frequently to those with DTI ratios of 30-36%, with 295 originations. The next most common DTI ratio? 20-30%, with 285 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,409 $212,045,000 $150,493 $2,252 5.17%
    Not provided 57 $7,035,000 $123,421 $2,155 5.52%
    American Indian 21 $2,215,000 $105,476 $2,018 5.70%
    Asian 15 $1,735,000 $115,667 $1,452 5.30%
    Black 9 $1,165,000 $129,444 $2,128 4.97%
    Native Hawaiian or Islander 5 $315,000 $63,000 $1,027 5.62%

    Approval Rates

    Total approvals of all applications
    85.65%

    Rogue has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.57%

    Rogue has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    343.0 8 $370,000 $46,250
    353.0 1 $45,000 $45,000
    408.0 1 $55,000 $55,000
    443.0 1 $35,000 $35,000
    449.0 1 $45,000 $45,000
    458.0 4 $230,000 $57,500
    487.5 1 $45,000 $45,000
    493.0 1 $15,000 $15,000
    543.0 2 $130,000 $65,000
    558.0 2 $320,000 $160,000
    576.5 1 $65,000 $65,000
    578.0 1 $185,000 $185,000
    743.0 1 $15,000 $15,000
    78.0 26 $980,000 $37,692
    81.0 1 $25,000 $25,000
    NA 1,464 $221,950,000 $151,605

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 197 $22,635,000 $114,898
    Single Family (1-4 Units):Site-Built 1,319 $201,875,000 $153,052

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 247 $21,825,000 $88,360 $1,170 5.66%
    40-60% 132 $21,000,000 $159,091 $2,980 4.83%
    60-80% 324 $73,150,000 $225,772 $3,639 4.64%
    80-100% 347 $89,375,000 $257,565 $3,902 4.59%
    Over 100% 5 $1,435,000 $287,000 $11,121 4.03%
    Under 20% 461 $17,725,000 $38,449 $303 5.89%