Rogue Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Rogue Credit Union of Medford, OR reported 3,125 mortgage applications totaling $494.8 million, up 14% from 2024. The average application was for $158,328, and applicants reported an average income of $108,163. 61% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Medford, OR (1,253), Grants Pass, OR (382) and Houston-The Woodlands-Sugar Land, TX (56) (applications in parentheses).

Mortgage Company & Address Rogue Credit Union
1370 Center Drive
Medford, OR 97501
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 3,125
Total Mortgage Loan Application Amount $494,775,000
Average Mortgage Loan Application Amount $158,328
Highest Mortgage Loan Application Amount $4,965,000
Average Applicant Income $108,163
Highest Applicant Income $881,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rogue Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Rogue Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jackson, Oregon 1,253 $ 206,465,000 $ 164,776 $ 118,000
Josephine, Oregon 382 $ 63,850,000 $ 167,146 $ 100,000
Douglas, Oregon 234 $ 41,050,000 $ 175,427 $ 95,000
Klamath, Oregon 202 $ 24,690,000 $ 122,227 $ 95,000
Curry, Oregon 159 $ 28,105,000 $ 176,761 $ 103,000
Malheur, Oregon 113 $ 15,095,000 $ 133,584 $ 85,000
Payette, Idaho 77 $ 8,585,000 $ 111,493 $ 93,000
Coos, Oregon 57 $ 13,045,000 $ 228,859 $ 108,000
Lane, Oregon 32 $ 5,420,000 $ 169,375 $ 104,000
Siskiyou, California 27 $ 4,625,000 $ 171,296 $ 109,000
Shasta, California 23 $ 1,965,000 $ 85,434 $ 95,000
Hidalgo, Texas 18 $ 1,870,000 $ 103,888 $ 0
Bexar, Texas 17 $ 1,945,000 $ 114,411 $ 0
Washington, Idaho 15 $ 875,000 $ 58,333 $ 82,000
Ada, Idaho 14 $ 7,600,000 $ 542,857 $ 155,000
Canyon, Idaho 14 $ 2,340,000 $ 167,142 $ 119,000
Liberty, Texas 14 $ 1,780,000 $ 127,142 $ 0
Montgomery, Texas 14 $ 1,740,000 $ 124,285 $ 0
Del Norte, California 13 $ 1,435,000 $ 110,384 $ 110,000
Benton, Oregon 11 $ 2,015,000 $ 183,181 $ 100,000
Deschutes, Oregon 11 $ 2,415,000 $ 219,545 $ 91,000
Marion, Oregon 11 $ 2,235,000 $ 203,181 $ 96,000
Clackamas, Oregon 10 $ 1,420,000 $ 142,000 $ 168,000
Brazoria, Texas 10 $ 1,090,000 $ 109,000 $ 0
Ector, Texas 9 $ 1,545,000 $ 171,666 $ 0
Smith, Texas 9 $ 935,000 $ 103,888 $ 0
Atascosa, Texas 8 $ 890,000 $ 111,250 $ 0
Henderson, Texas 8 $ 820,000 $ 102,500 $ 0
Kaufman, Texas 8 $ 960,000 $ 120,000 $ 0
Baker, Oregon 7 $ 765,000 $ 109,285 $ 89,000
Linn, Oregon 7 $ 1,455,000 $ 207,857 $ 66,000
Cameron, Texas 7 $ 735,000 $ 105,000 $ 0
Midland, Texas 7 $ 735,000 $ 105,000 $ 0
Jasper, Texas 6 $ 790,000 $ 131,666 $ 0
Medina, Texas 6 $ 820,000 $ 136,666 $ 0
Polk, Texas 6 $ 900,000 $ 150,000 $ 0
San Jacinto, Texas 6 $ 630,000 $ 105,000 $ 0
Webb, Texas 6 $ 640,000 $ 106,666 $ 0
Bandera, Texas 5 $ 605,000 $ 121,000 $ 0
Caldwell, Texas 5 $ 925,000 $ 185,000 $ 0
Hunt, Texas 5 $ 865,000 $ 173,000 $ 0
Jim Wells, Texas 5 $ 545,000 $ 109,000 $ 0
Wise, Texas 5 $ 925,000 $ 185,000 $ 0
Sacramento, California 4 $ 630,000 $ 157,500 $ 291,000
Tehama, California 4 $ 370,000 $ 92,500 $ 161,000
Anderson, Texas 4 $ 600,000 $ 150,000 $ 0
Colorado, Texas 4 $ 440,000 $ 110,000 $ 0
Denton, Texas 4 $ 530,000 $ 132,500 $ 0
Guadalupe, Texas 4 $ 610,000 $ 152,500 $ 0
Harris, Texas 4 $ 460,000 $ 115,000 $ 0
Orange, Texas 4 $ 520,000 $ 130,000 $ 0
Parker, Texas 4 $ 700,000 $ 175,000 $ 0
Tyler, Texas 4 $ 540,000 $ 135,000 $ 0
Upshur, Texas 4 $ 510,000 $ 127,500 $ 0
Waller, Texas 4 $ 460,000 $ 115,000 $ 0
Adams, Idaho 3 $ 295,000 $ 98,333 $ 116,000
Lincoln, Oregon 3 $ 375,000 $ 125,000 $ 48,000
Multnomah, Oregon 3 $ 865,000 $ 288,333 $ 82,000
Washington, Oregon 3 $ 255,000 $ 85,000 $ 109,000
Bastrop, Texas 3 $ 285,000 $ 95,000 $ 0
Bee, Texas 3 $ 415,000 $ 138,333 $ 0
Bell, Texas 3 $ 405,000 $ 135,000 $ 0
Brown, Texas 3 $ 435,000 $ 145,000 $ 0
Burnet, Texas 3 $ 425,000 $ 141,666 $ 0
Cherokee, Texas 3 $ 375,000 $ 125,000 $ 0
Dimmit, Texas 3 $ 345,000 $ 115,000 $ 0
Erath, Texas 3 $ 435,000 $ 145,000 $ 0
Freestone, Texas 3 $ 505,000 $ 168,333 $ 0
Grimes, Texas 3 $ 365,000 $ 121,666 $ 0
Hardin, Texas 3 $ 315,000 $ 105,000 $ 0
Karnes, Texas 3 $ 475,000 $ 158,333 $ 0
Kendall, Texas 3 $ 415,000 $ 138,333 $ 0
Lavaca, Texas 3 $ 295,000 $ 98,333 $ 0
Leon, Texas 3 $ 355,000 $ 118,333 $ 0
Matagorda, Texas 3 $ 425,000 $ 141,666 $ 0
Nacogdoches, Texas 3 $ 435,000 $ 145,000 $ 0
Newton, Texas 3 $ 425,000 $ 141,666 $ 0
Nueces, Texas 3 $ 575,000 $ 191,666 $ 0
Palo Pinto, Texas 3 $ 575,000 $ 191,666 $ 0
San Patricio, Texas 3 $ 395,000 $ 131,666 $ 0
Tarrant, Texas 3 $ 295,000 $ 98,333 $ 0
Van Zandt, Texas 3 $ 325,000 $ 108,333 $ 0
Ward, Texas 3 $ 365,000 $ 121,666 $ 0
Wilson, Texas 3 $ 315,000 $ 105,000 $ 0
Butte, California 2 $ 120,000 $ 60,000 $ 111,000
Humboldt, California 2 $ 400,000 $ 200,000 $ 76,000
Gem, Idaho 2 $ 610,000 $ 305,000 $ 108,000
Harney, Oregon 2 $ 270,000 $ 135,000 $ 81,000
Lake, Oregon 2 $ 240,000 $ 120,000 $ 76,000
Tillamook, Oregon 2 $ 420,000 $ 210,000 $ 158,000
Yamhill, Oregon 2 $ 380,000 $ 190,000 $ 93,000
Andrews, Texas 2 $ 250,000 $ 125,000 $ 0
Chambers, Texas 2 $ 260,000 $ 130,000 $ 0
DeWitt, Texas 2 $ 320,000 $ 160,000 $ 0
Gaines, Texas 2 $ 180,000 $ 90,000 $ 0
Gillespie, Texas 2 $ 330,000 $ 165,000 $ 0
Gonzales, Texas 2 $ 310,000 $ 155,000 $ 0
Lubbock, Texas 2 $ 160,000 $ 80,000 $ 0
Maverick, Texas 2 $ 200,000 $ 100,000 $ 0
Moore, Texas 2 $ 290,000 $ 145,000 $ 0
Randall, Texas 2 $ 230,000 $ 115,000 $ 0
Sabine, Texas 2 $ 230,000 $ 115,000 $ 0
Somervell, Texas 2 $ 110,000 $ 55,000 $ 0
Uvalde, Texas 2 $ 330,000 $ 165,000 $ 0
Wood, Texas 2 $ 160,000 $ 80,000 $ 0
Yuma, Arizona 1 $ 105,000 $ 105,000 $ 43,000
Contra Costa, California 1 $ 105,000 $ 105,000 $ 240,000
Glenn, California 1 $ 405,000 $ 405,000 $ 133,000
Marin, California 1 $ 865,000 $ 865,000 $ 180,000
Merced, California 1 $ 45,000 $ 45,000 $ 180,000
Modoc, California 1 $ 35,000 $ 35,000 $ 23,000
Nevada, California 1 $ 325,000 $ 325,000 $ 100,000
Riverside, California 1 $ 155,000 $ 155,000 $ 28,000
Solano, California 1 $ 85,000 $ 85,000 $ 133,000
Delta, Colorado 1 $ 75,000 $ 75,000 $ 23,000
Denver, Colorado 1 $ 15,000 $ 15,000 $ 109,000
Broward, Florida 1 $ 105,000 $ 105,000 $ 60,000
Fayette, Georgia 1 $ 105,000 $ 105,000 $ 124,000
Clearwater, Idaho 1 $ 355,000 $ 355,000 $ 77,000
Idaho, Idaho 1 $ 75,000 $ 75,000 $ 75,000
Owyhee, Idaho 1 $ 105,000 $ 105,000 $ 129,000
Valley, Idaho 1 $ 405,000 $ 405,000 $ 106,000
Washington, Minnesota 1 $ 55,000 $ 55,000 $ 48,000
Cole, Missouri 1 $ 35,000 $ 35,000 $ 107,000
Humboldt, Nevada 1 $ 25,000 $ 25,000 $ 27,000
Haywood, North Carolina 1 $ 35,000 $ 35,000 $ 150,000
Lincoln, North Carolina 1 $ 85,000 $ 85,000 $ 104,000
Moore, North Carolina 1 $ 105,000 $ 105,000 $ 117,000
Lorain, Ohio 1 $ 25,000 $ 25,000 $ 40,000
Bryan, Oklahoma 1 $ 75,000 $ 75,000 $ 0
Cherokee, Oklahoma 1 $ 105,000 $ 105,000 $ 0
Marshall, Oklahoma 1 $ 165,000 $ 165,000 $ 0
Oklahoma, Oklahoma 1 $ 185,000 $ 185,000 $ 0
Pottawatomie, Oklahoma 1 $ 165,000 $ 165,000 $ 0
Stephens, Oklahoma 1 $ 225,000 $ 225,000 $ 0
Tulsa, Oklahoma 1 $ 45,000 $ 45,000 $ 187,000
Columbia, Oregon 1 $ 75,000 $ 75,000 $ 76,000
Hood River, Oregon 1 $ 25,000 $ 25,000 $ 86,000
Jefferson, Oregon 1 $ 435,000 $ 435,000 $ 73,000
Sherman, Oregon 1 $ 25,000 $ 25,000 $ 146,000
Wallowa, Oregon 1 $ 175,000 $ 175,000 $ 49,000
Greene, Tennessee 1 $ 105,000 $ 105,000 $ 116,000
Rutherford, Tennessee 1 $ 135,000 $ 135,000 $ 70,000
Angelina, Texas 1 $ 75,000 $ 75,000 $ 0
Armstrong, Texas 1 $ 125,000 $ 125,000 $ 0
Brazos, Texas 1 $ 145,000 $ 145,000 $ 0
Brewster, Texas 1 $ 285,000 $ 285,000 $ 0
Cass, Texas 1 $ 155,000 $ 155,000 $ 0
Castro, Texas 1 $ 75,000 $ 75,000 $ 0
Coleman, Texas 1 $ 115,000 $ 115,000 $ 0
Crane, Texas 1 $ 155,000 $ 155,000 $ 0
Dawson, Texas 1 $ 105,000 $ 105,000 $ 0
Deaf Smith, Texas 1 $ 155,000 $ 155,000 $ 0
Dickens, Texas 1 $ 255,000 $ 255,000 $ 0
Eastland, Texas 1 $ 115,000 $ 115,000 $ 0
Ellis, Texas 1 $ 65,000 $ 65,000 $ 0
Falls, Texas 1 $ 155,000 $ 155,000 $ 0
Fannin, Texas 1 $ 115,000 $ 115,000 $ 0
Fayette, Texas 1 $ 145,000 $ 145,000 $ 0
Fort Bend, Texas 1 $ 165,000 $ 165,000 $ 0
Frio, Texas 1 $ 115,000 $ 115,000 $ 0
Galveston, Texas 1 $ 155,000 $ 155,000 $ 0
Grayson, Texas 1 $ 115,000 $ 115,000 $ 0
Hamilton, Texas 1 $ 185,000 $ 185,000 $ 0
Hays, Texas 1 $ 95,000 $ 95,000 $ 0
Hill, Texas 1 $ 115,000 $ 115,000 $ 0
Hood, Texas 1 $ 75,000 $ 75,000 $ 0
Jack, Texas 1 $ 85,000 $ 85,000 $ 0
Jefferson, Texas 1 $ 135,000 $ 135,000 $ 0
Jones, Texas 1 $ 165,000 $ 165,000 $ 0
Kerr, Texas 1 $ 245,000 $ 245,000 $ 0
Kimble, Texas 1 $ 155,000 $ 155,000 $ 0
Kleberg, Texas 1 $ 215,000 $ 215,000 $ 0
La Salle, Texas 1 $ 155,000 $ 155,000 $ 0
Lamb, Texas 1 $ 95,000 $ 95,000 $ 0
Llano, Texas 1 $ 125,000 $ 125,000 $ 0
Mason, Texas 1 $ 125,000 $ 125,000 $ 0
McLennan, Texas 1 $ 175,000 $ 175,000 $ 0
Navarro, Texas 1 $ 85,000 $ 85,000 $ 0
Pecos, Texas 1 $ 85,000 $ 85,000 $ 0
Potter, Texas 1 $ 95,000 $ 95,000 $ 0
Rains, Texas 1 $ 155,000 $ 155,000 $ 0
Robertson, Texas 1 $ 75,000 $ 75,000 $ 0
San Saba, Texas 1 $ 125,000 $ 125,000 $ 0
Taylor, Texas 1 $ 95,000 $ 95,000 $ 0
Terry, Texas 1 $ 195,000 $ 195,000 $ 0
Travis, Texas 1 $ 125,000 $ 125,000 $ 0
Victoria, Texas 1 $ 155,000 $ 155,000 $ 0
Walker, Texas 1 $ 115,000 $ 115,000 $ 0
Washington, Texas 1 $ 125,000 $ 125,000 $ 0
Wharton, Texas 1 $ 195,000 $ 195,000 $ 0
Willacy, Texas 1 $ 85,000 $ 85,000 $ 0
Yoakum, Texas 1 $ 95,000 $ 95,000 $ 0
Zapata, Texas 1 $ 115,000 $ 115,000 $ 0
Danville, Virginia 1 $ 45,000 $ 45,000 $ 65,000
Clark, Washington 1 $ 75,000 $ 75,000 $ 110,000
Wirt, West Virginia 1 $ 55,000 $ 55,000 $ 60,000

Mortgage Loan Application Detail Totals for Rogue Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,264 $289,900,000 $229,000 $1,505,000 $112,000 $717,000
Other Purpose 692 $61,190,000 $88,000 $605,000 $104,000 $881,000
Home Improvement 678 $54,990,000 $81,000 $545,000 $109,000 $785,000
Cash-out Refinancing 390 $64,670,000 $165,000 $1,005,000 $103,000 $564,000
Refinancing 101 $24,025,000 $237,000 $4,965,000 $103,000 $504,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,988 $325,060,000 $163,000 $1,505,000 $111,000 $881,000
Not Provided 400 $55,980,000 $139,000 $1,005,000 $94,000 $641,000
Not applicable 387 $54,605,000 $141,000 $4,965,000 $0 $0
Hispanic 249 $41,955,000 $168,000 $765,000 $98,000 $606,000
American Indian or Alaskan Native 46 $7,390,000 $160,000 $565,000 $115,000 $688,000
Asian 33 $6,465,000 $195,000 $545,000 $120,000 $291,000
Black or African American 15 $2,995,000 $199,000 $355,000 $131,000 $500,000
Native Hawaiian or Other Pacific Islander 7 $325,000 $46,000 $125,000 $83,000 $151,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,075 $475,425,000 $154,000 $4,965,000 $108,000 $881,000
VA-guaranteed (Veterans Administration) 50 $19,350,000 $387,000 $805,000 $109,000 $231,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,903 $323,275,000 $169,000 $4,965,000 $113,000 $785,000
Application Withdrawn By Applicant 485 $85,095,000 $175,000 $865,000 $101,000 $717,000
Loan Purchased By The Institution 384 $49,170,000 $128,000 $295,000 $0 $0
Application Denied By Financial Institution 295 $30,925,000 $104,000 $925,000 $90,000 $881,000
Application Approved But Not Accepted 44 $4,410,000 $100,000 $475,000 $90,000 $270,000
File Closed For Incompleteness 14 $1,900,000 $135,000 $585,000 $118,000 $336,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,830 $463,850,000 $163,000 $4,965,000 $110,000 $785,000
Credit Application Incomplete 130 $13,090,000 $100,000 $925,000 $105,000 $534,000
Debt-To-Income Ratio 82 $9,000,000 $109,000 $405,000 $52,000 $162,000
Collateral 35 $3,485,000 $99,000 $505,000 $118,000 $881,000
Credit History 29 $2,795,000 $96,000 $315,000 $92,000 $390,000
Other 13 $1,105,000 $85,000 $255,000 $99,000 $500,000
Unverifiable Information 3 $895,000 $298,000 $525,000 $98,000 $177,000
Employment History 2 $150,000 $75,000 $75,000 $35,000 $42,000
Insufficient Cash (Downpayment, Closing Cost) 1 $405,000 $405,000 $405,000 $89,000 $89,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Rogue Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Rogue Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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