Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | ROGUE CREDIT UNION | UMPQUA BANK |
|---|---|---|
| Total Applications | 2,752 | 8,064 ▲ |
| Loans Originated | 1,802 | 4,989 |
| Approval Rate (higher is better) | 65.5% ✓ | 61.9% |
| Denial Rate (lower is better) | 12.1% ✓ | 20.1% |
| Avg Loan Amount | $154,433 | $328,053 |
| Avg Interest Rate (lower is better) | 8.200% | 8.054% ✓ |
| Avg Applicant Income | $37,000 | $37,000 |
| Applications Denied | 333 | 1,617 |
| Applications Withdrawn | 537 | 690 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | ROGUE CREDIT UNION | UMPQUA BANK |
|---|---|---|
| Conventional | 2,710 (98.5%) | 7,699 (95.5%) |
| FHA | — | 225 (2.8%) |
| VA | 42 (1.5%) | 124 (1.5%) |
| USDA | — | 16 (0.2%) |
Loan Purpose Breakdown
| Purpose | ROGUE CREDIT UNION | UMPQUA BANK |
|---|---|---|
| Home Purchase | 889 | 2,443 |
| Home Improvement | 766 | 2,289 |
| Other | 638 | 1,628 |
| Refinancing | 292 | 1,312 |
| Cash-out Refinancing | 167 | 392 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Oregon | 1,714 | #7 |
| State | Originated | Rank |
|---|---|---|
| Oregon | 1,925 | #6 |
| Washington | 1,859 | #20 |
Summary
- 2,752 total applications · 1,802 originated
- Approval rate: 65.5%
- Denial rate: 12.1%
- Avg loan: $154,433
- Avg rate: 8.200%
- HQ: MEDFORD, OR
- 8,064 total applications · 4,989 originated
- Approval rate: 61.9%
- Denial rate: 20.1%
- Avg loan: $328,053
- Avg rate: 8.054%
- HQ: PORTLAND, OR
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.