Rogue Credit Union in Oregon vs the state
10.2%Denial rate-5.08 pts vs state
12.5%Decision denial rate-6.62 pts vs state
69.7%Origination rate+9.11 pts vs state
7.49%Median rate+0.74 pts vs state
0.50Rate spread (pts)+0.22 pts vs state
$90kMedian applicant income
1,751Loans originated
257Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,513 | 1,678 | 12.9% | 8.24% | #9 |
| 2024 | 2,625 | 1,717 | 12.1% | 8.49% | #7 |
| 2025 | 2,511 | 1,751 | 10.2% | 7.49% | #10 |
What Rogue Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Rogue Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 1,253 | 904 | 122 | 9.7% |
| Josephine County | 382 | 277 | 34 | 8.9% |
| Douglas County | 234 | 146 | 23 | 9.8% |
| Klamath County | 202 | 130 | 24 | 11.9% |
| Curry County | 159 | 103 | 22 | 13.8% |
| Malheur County | 113 | 84 | 9 | 8.0% |
| Coos County | 57 | 39 | 7 | 12.3% |
| Lane County | 32 | 21 | 2 | 6.3% |
| Deschutes County | 11 | 6 | 1 | 9.1% |
| Benton County | 11 | 6 | 3 | 27.3% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 2,511 applications in 2025, of which 1,751 were originated and 257 denied.
10.2% of all applications, or 12.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Rogue Credit Union originated in Oregon in 2025 was 7.49%, against a statewide median of 6.75%.
About this data. Figures are Rogue Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology