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, 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, Roseburg, Brookings, and Klamath Falls among others. We have data for 22 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.

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% 3/28/24
30 Year Conventional Purchase 6.85% 3/28/24
30 Year Conventional Refi 6.68% 3/28/24
30 Year Cash-out Refi 6.87% 3/28/24
30 Year VA Purchase 6.27% 3/28/24
15 Year Conventional Purchase 7.51% 3/28/24
15 Year Conventional Refi 7.55% 3/28/24
15 Year Cash-out Refi 7.55% 3/28/24
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

2,488

Origination Dollar Volume (All Markets)

$454,600,000

Awards

ROGUE 30 Year Conventional Loans gold ROGUE 30 Year Conventional Loans bronze ROGUE 30 Year Conventional Loans gold
Show all (3) 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) 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.

Their top states include:
  • Oregon (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • California (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.

    Tri Counties Bank
    Similarity Rank: 266
    D. L. Evans Bank
    Similarity Rank: 630
    CASTPARTS EMPLOYEES
    Similarity Rank: 660
    Bank of the Pacific
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    IDAHO CENTRAL
    Similarity Rank: 1300
    Pacific NW Federal Credit Union
    Similarity Rank: 1406
    People's Bank of Commerce
    Similarity Rank: 1406
    SELCO COMMUNITY
    Similarity Rank: 1725

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,721 $360,845,000 $209,672 $3,345 3.57%
    HELOC 637 $55,605,000 $87,292 n/a 4.20%
    VA 129 $37,915,000 $293,915 $5,823 2.76%
    FHA 1 $235,000 $235,000 $4,819 3.50%

    For 2021, Rogue's most frequently originated type of loan was Conventional, with 1,721 originations. Their 2nd most popular type was HELOC, with 637 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Rogue's most frequently cited loan purpose was Home Purchase, with 667 originations. The 2nd most popular reason was 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 2021, Rogue's most frequently cited loan duration was 30 Year, with 1,063 originations. The 2nd most popular length was Other, with 637 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $5k+ 68 $28,440,000 $418,235
    $3k-4k 61 $17,245,000 $282,705
    $4k-5k 32 $9,110,000 $284,688

    Rogue's average total fees were $4,490, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.31%, while their most frequently originated rate bucket for loans was 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 or Islander 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 applications
    91.57%

    Rogue has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.55%

    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%