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ROGUE CREDIT UNION
Credit Union|Medford, OR|Regional
Loans Originated
512
Applications
670
Volume
$172 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.271%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,723
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 27.10 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Report Card
ROGUE CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Exceptional | Regional · 3 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$336,660
Average Borrower Income
$124,219
Average Property Value
$478,164
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Exceptional | 481 | 93.9% | -0.270% | $1,679 |
VA Loans | Sound | Strong | N/A | Sound | 20 | 3.9% | +0.035% | $2,249 |
Jumbo Loans | Strong | Strong | N/A | N/A | 11 | 2.1% | -1.089% | $3,304 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 412 | 80.5% | -0.309% | $1,806 |
Refinance | Strong | Strong | Strong | Exceptional | 100 | 19.5% | -0.105% | $1,373 |
Geographic Coverage
Metro Areas
2
States Served
3
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
CAIDOR
Top Metro Areas by Place Specialization Score
1
Medford, OR, ORMSA
Volume: 233Mix: 45.51%
Place Specialization
Exceptional
2
Grants Pass, OR, ORMSA
Volume: 93Mix: 18.16%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
ORState
Volume: 486Mix: 94.92%
Place Specialization
Exceptional
2
CAState
Volume: 16Mix: 3.12%
Place Specialization
Sound
3
IDState
Volume: 10Mix: 1.95%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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