# ROGUE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/rogue-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

ROGUE CREDIT UNION is a credit union, headquartered in Medford, OR, serving borrowers across 3 states, with 512 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HH0V8LECLNPQ26
- **Headquarters:** Medford, OR
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CA, ID, OR
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.271%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,723
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 512
- **Dollar Volume:** $172 million
- **Applications Received:** 670
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $336,660
- **Average Borrower Income:** $124,219

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 481 | -0.270% | $1,679 | Strong 😀 |
| VA | 60/100 | 20 | +0.035% | $2,249 | Strong 😀 |
| Jumbo | 61/100 | 11 | -1.089% | $3,304 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 381 loans, Score: 73/100 (Strong)
- Refinance: 100 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 20 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 412 | $147M | -0.309% | Strong 😀 |
| Refinance | 71/100 | 100 | $25M | -0.105% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 486 | 1.14% | 89/100 |
| CA | 16 | 0.01% | 41/100 |
| ID | 10 | 0.04% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Medford, OR | OR | 233 | 100/100 |
| Non |  | 155 | 61/100 |
| Grants Pass, OR | OR | 93 | 100/100 |

## Frequently Asked Questions

### What loan types does ROGUE CREDIT UNION offer?

ROGUE CREDIT UNION offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ROGUE CREDIT UNION offer mortgages?

ROGUE CREDIT UNION offers mortgages in 3 states: CA, ID, OR.

### How competitive are ROGUE CREDIT UNION's mortgage rates?

ROGUE CREDIT UNION has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.271% below market average.

### What type of lender is ROGUE CREDIT UNION?

ROGUE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Medford, OR.

### What is ROGUE CREDIT UNION's loan approval success rate?

ROGUE CREDIT UNION has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/rogue-credit-union

### How to Cite

> "ROGUE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rogue-credit-union

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