Rogue Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Rogue Credit Union of Medford, OR reported 2,704 mortgage applications totaling $371.7 million, down 21% from 2022. The average application was for $137,466, and applicants reported an average income of $105,821. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Medford, OR (1,326), Grants Pass, OR (380) and Eugene, OR (38) (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 | 2,704 |
| Total Mortgage Loan Application Amount | $371,710,000 |
| Average Mortgage Loan Application Amount | $137,466 |
| Highest Mortgage Loan Application Amount | $2,625,000 |
| Average Applicant Income | $105,821 |
| Highest Applicant Income | $1,872,000 |
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Act (HMDA) records Rogue Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Rogue Credit Union in 2023
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 | 860 | $205,560,000 | $239,000 | $905,000 | $110,000 | $1,680,000 |
| Home Improvement | 754 | $54,580,000 | $72,000 | $805,000 | $111,000 | $1,872,000 |
| Other Purpose | 636 | $38,720,000 | $60,000 | $505,000 | $96,000 | $800,000 |
| Refinancing | 285 | $39,265,000 | $137,000 | $2,625,000 | $112,000 | $946,000 |
| Cash-out Refinancing | 169 | $33,585,000 | $198,000 | $805,000 | $88,000 | $342,000 |
| 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 | 2,022 | $277,110,000 | $137,000 | $2,625,000 | $107,000 | $1,872,000 |
| Hispanic | 316 | $47,040,000 | $148,000 | $805,000 | $92,000 | $866,000 |
| Not Provided | 267 | $35,535,000 | $133,000 | $845,000 | $108,000 | $1,038,000 |
| American Indian or Alaskan Native | 57 | $6,495,000 | $113,000 | $395,000 | $106,000 | $620,000 |
| Asian | 17 | $2,165,000 | $127,000 | $395,000 | $118,000 | $296,000 |
| Black or African American | 13 | $1,985,000 | $152,000 | $415,000 | $118,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $770,000 | $96,000 | $315,000 | $93,000 | $214,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,662 | $358,540,000 | $134,000 | $2,625,000 | $106,000 | $1,872,000 |
| VA-guaranteed (Veterans Administration) | 42 | $13,170,000 | $313,000 | $725,000 | $85,000 | $172,000 |
| 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 | 1,791 | $256,735,000 | $143,000 | $2,625,000 | $108,000 | $1,170,000 |
| Application Withdrawn By Applicant | 467 | $72,525,000 | $155,000 | $805,000 | $111,000 | $1,872,000 |
| Application Denied By Financial Institution | 365 | $35,475,000 | $97,000 | $785,000 | $90,000 | $900,000 |
| Application Approved But Not Accepted | 69 | $6,275,000 | $90,000 | $425,000 | $110,000 | $601,000 |
| File Closed For Incompleteness | 12 | $700,000 | $58,000 | $125,000 | $66,000 | $137,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,339 | $336,235,000 | $143,000 | $2,625,000 | $108,000 | $1,872,000 |
| Debt-To-Income Ratio | 141 | $15,065,000 | $106,000 | $785,000 | $58,000 | $273,000 |
| Other | 81 | $8,325,000 | $102,000 | $505,000 | $116,000 | $900,000 |
| Credit History | 75 | $6,505,000 | $86,000 | $535,000 | $102,000 | $800,000 |
| Collateral | 51 | $3,225,000 | $63,000 | $255,000 | $117,000 | $866,000 |
| Employment History | 9 | $795,000 | $88,000 | $355,000 | $115,000 | $582,000 |
| Credit Application Incomplete | 7 | $1,455,000 | $207,000 | $325,000 | $77,000 | $148,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $67,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rogue Credit Union's 2023 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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