PlainLender

ROGUE CREDIT UNION

MEDFORD, OR

ROGUE CREDIT UNION processed 2,752 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,802 loans with a 12.1% denial rate. Home Purchase was the primary loan purpose. Based in MEDFORD, OR. The approval rate of 65.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. ROGUE CREDIT UNION processed 2,752 HMDA-reported mortgage applications in 2024, originating 1,802 loans and denying 333 for a denial rate of 12.1% (applicants themselves withdrew 537 files before a decision). The average loan amount was $154,433 at a 8.200% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 549300HH0V8LECLNPQ26 from MEDFORD, OR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ROGUE CREDIT UNION's 65.5% origination rate tells you how often an application turned into funded money; the 12.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (2,710 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

2,752
Applications
1,802
Originated
12.1%
Denial Rate
$154,433
Avg Loan Amount
Avg Interest Rate: 8.200% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 2,710 1,775 330 $150,838
VA 42 27 3 $386,429

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ROGUE CREDIT UNION (LEI: 549300HH0V8LECLNPQ26) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
221
Debt-to-income ratio
146
Collateral
90
Credit history
52
Employment history
11
Unverifiable information
10
Credit application incomplete
9
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 889 645 $284,921
Home Improvement 766 498 $71,906
Other 638 341 $63,871
Refinancing 292 202 $134,623
Cash-out Refinancing 167 116 $218,952

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,188 66.6% 12.3%
Joint 87 75.9% 6.9%
American Indian or Alaska Native 41 61.0% 9.8%
Asian 14 64.3% 0.0%
Black or African American 9 77.8% 0.0%
Native Hawaiian or Other Pacific Islander 6 66.7% 0.0%
2 or more minority races 5 0.0% 60.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 1,997 67.0% 11.4%
Hispanic or Latino 239 64.4% 17.6%
Joint 95 70.5% 10.5%

Nearby Lenders in OR

Other HMDA-reporting lenders in OR with similar activity. Compare any two side-by-side.

OnPoint Community Credit Union

Portland, OR

10,400 apps 7,152 originated 17.4% denied

UMPQUA BANK

PORTLAND, OR

8,064 apps 4,989 originated 20.1% denied

First Technology Credit Union

Beaverton, OR

6,270 apps 3,364 originated 14.7% denied

SELCO COMMUNITY CREDIT UNION

SPRINGFIELD, OR

2,086 apps 1,226 originated 27.1% denied

OREGON COMMUNITY CREDIT UNION

Eugene, OR

2,016 apps 1,374 originated 16.3% denied
Compare ROGUE CREDIT UNION vs OnPoint Community Credit Union →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did ROGUE CREDIT UNION process?
ROGUE CREDIT UNION processed 2,752 mortgage applications in the 2023 HMDA reporting year. Of these, 1,802 were originated (approved and funded), 537 were withdrawn by the applicant, and 333 were denied.
What is ROGUE CREDIT UNION's mortgage approval rate?
ROGUE CREDIT UNION has an approval (origination) rate of 65.5%, meaning 65.5% of all applications resulted in a funded mortgage. The denial rate is 12.1%.
What is the average loan amount at ROGUE CREDIT UNION?
The average mortgage loan amount at ROGUE CREDIT UNION is $154,433. The average interest rate is 8.200%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at ROGUE CREDIT UNION?
The most common reasons for mortgage denial at ROGUE CREDIT UNION are: Other, Debt-to-income ratio, Collateral. In total, 333 applications were denied out of 2,752 total applications.
What types of mortgage loans does ROGUE CREDIT UNION offer?
ROGUE CREDIT UNION processes Conventional, VA loans. The most common type is Conventional with 2,710 applications and an average loan amount of $150,838.
What loan purposes does ROGUE CREDIT UNION serve?
ROGUE CREDIT UNION serves the following loan purposes: Home Purchase (889 applications), Home Improvement (766 applications), Other (638 applications), Refinancing (292 applications), Cash-out Refinancing (167 applications). Home Purchase is the most common purpose.
Where is ROGUE CREDIT UNION located?
ROGUE CREDIT UNION is headquartered in MEDFORD, OR. The lender is identified by LEI 549300HH0V8LECLNPQ26 in HMDA data.
How does ROGUE CREDIT UNION compare in lending across racial demographics?
ROGUE CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 66.6% and denial rate of 12.3%; Joint applicants have an approval rate of 75.9% and denial rate of 6.9%; American Indian or Alaska Native applicants have an approval rate of 61.0% and denial rate of 9.8%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.