Rogue Mortgage Rates, Fees & Info
Medford, ORLEI: 549300HH0V8LECLNPQ26
Tax ID: 93-0491115
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Mortgage Data
Review & 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 by origination volume include: Medford, Grants Pass, Brookings, Roseburg, and Klamath Falls among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Rogue has an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 5/4/24 |
| 30 Year Conventional Purchase | 6.85% | 5/4/24 |
| 30 Year Conventional Refi | 6.68% | 5/4/24 |
| 30 Year Cash-out Refi | 6.87% | 5/4/24 |
| 30 Year VA Purchase | 6.27% | 5/4/24 |
| 15 Year Conventional Purchase | 7.51% | 5/4/24 |
| 15 Year Conventional Refi | 7.55% | 5/4/24 |
| 15 Year Cash-out Refi | 7.55% | 5/4/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,887Origination Dollar Volume (All Markets)
$385,415,000Awards
ROGUE - 2020
ROGUE is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 1,082 | $227,860,000 | $210,591 | $3,046 | 3.82% |
| GRANTS PASS, OR (FHA|USDA|VA) | 273 | $54,075,000 | $198,077 | $3,232 | 3.91% |
| Brookings, OR (FHA|USDA|VA) | 143 | $30,625,000 | $214,161 | $3,053 | 3.78% |
| Roseburg, OR (FHA|USDA|VA) | 138 | $28,040,000 | $203,188 | $3,652 | 3.94% |
| Klamath Falls, OR (FHA|USDA|VA) | 135 | $19,135,000 | $141,741 | $2,758 | 3.99% |
| Coos Bay, OR (FHA|USDA|VA) | 32 | $7,320,000 | $228,750 | $3,554 | 3.69% |
| Crescent City, CA (FHA|USDA|VA) | 18 | $4,000,000 | $222,222 | $3,938 | 3.44% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 11 | $3,285,000 | $298,636 | $3,155 | 3.23% |
| BEND, OR (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $3,363 | 4.19% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 13 | $2,575,000 | $198,077 | $3,203 | 3.99% |
| Outside of Metro Areas | 13 | $2,385,000 | $183,462 | $2,794 | 4.31% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $2,715 | 3.79% |
| Newport, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,459 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,028 | 3.38% |
| SALEM, OR (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $1,945 | 4.66% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,965 | 4.38% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,746 | 3.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,094 | 3.50% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,795 | $359,355,000 | $200,198 | $2,958 | 3.88% |
| VA | 82 | $23,630,000 | $288,171 | $5,973 | 3.14% |
| FHA | 10 | $2,430,000 | $243,000 | $7,126 | 3.05% |
For 2020, Rogue's most frequently originated type of loan was Conventional, with 1,795 originations. Their 2nd most popular type was VA, with 82 originations.
Loan Reason
For 2020, Rogue's most frequently cited loan purpose was Home Purchase, with 649 originations. The 2nd most popular reason was Refi, with 530 originations.
Loan Duration/Length
For 2020, Rogue's most frequently cited loan duration was 30 Year, with 1,182 originations. The 2nd most popular length was 15 Year, with 280 originations.
Origination Fees/Closing Costs
Rogue's average total fees were $3,705, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,315 originations.
Interest Rates
During 2020, Rogue's average interest rate for loans was 3.42%, while their most frequently originated rate bucket for loans was 3-4%, with 974 originations.
Loan Sizing
2020 saw Rogue place emphasis on $200k-400k loans with 838 originations, totaling $231,030,000 in origination value.
Applicant Income
Rogue lent most frequently to those with incomes in the $50k-75k range, with 520 originations. The second most popular income band? $75k-100k, with 400 originations.
Applicant Debt to Income Ratio
Rogue lent most frequently to those with DTI ratios of 20-30%, with 447 originations. The next most common DTI ratio? 30-36%, with 382 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.80%
Rogue has an average approval rate.
Pick Rate
Approvals leading to origination69.16%
Rogue has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $60,000 | $30,000 |
| 180.0 | 1 | $35,000 | $35,000 |
| 293.0 | 1 | $35,000 | $35,000 |
| 318.0 | 1 | $25,000 | $25,000 |
| 343.0 | 23 | $955,000 | $41,522 |
| 380.5 | 1 | $45,000 | $45,000 |
| 383.0 | 3 | $105,000 | $35,000 |
| 393.0 | 3 | $145,000 | $48,333 |
| 422.0 | 1 | $55,000 | $55,000 |
| 440.5 | 1 | $55,000 | $55,000 |
| 458.0 | 3 | $105,000 | $35,000 |
| 483.0 | 1 | $15,000 | $15,000 |
| 488.0 | 1 | $55,000 | $55,000 |
| 489.0 | 1 | $45,000 | $45,000 |
| 502.5 | 1 | $55,000 | $55,000 |
| 513.0 | 1 | $55,000 | $55,000 |
| 542.0 | 1 | $95,000 | $95,000 |
| 543.0 | 1 | $65,000 | $65,000 |
| 546.5 | 1 | $55,000 | $55,000 |
| 608.0 | 1 | $45,000 | $45,000 |
| 668.0 | 1 | $65,000 | $65,000 |
| 78.0 | 9 | $415,000 | $46,111 |
| NA | 1,828 | $382,830,000 | $209,426 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 232 | $30,330,000 | $130,733 |
| Single Family (1-4 Units):Site-Built | 1,655 | $355,085,000 | $214,553 |