Rogue mortgage approval rate & lending review
Rogue decided 3,071 mortgage applications and funded 2,632 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Rogue reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Rogue at a glance
Approval is 13.0 points above the 75.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 1,130 / 1,223 | 98% | $285K | 1,107 |
| Home improvement loans | 88% | 950 / 1,083 | 97% | $55K | 917 |
| Cash-out refinance | 81% | 227 / 279 | 96% | $155K | 219 |
| Refinance | 85% | 301 / 356 | 96% | $85K | 289 |
| Investment property purchase | 94% | 66 / 70 | 95% | $285K | 63 |
| Investment cash-out refinance | 90% | 27 / 30 | 100% | $165K | 27 |
| Investment home improvement | 42% | 11 / 26 | 82% | $55K | 9 |
Rogue lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 89% | $155K | 2,951 | 2,541 |
| California | 72% | $145K | 43 | 30 |
| Idaho | 92% | $135K | 38 | 34 |
| Arizona | 75% | $125K | 32 | 24 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Rogue lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, OR | Home improvement loans | 88% | 928 | 790 |
| Jackson County, OR | Mortgage lenders | 94% | 850 | 779 |
| Jackson County, OR | Refinance | 85% | 294 | 241 |
| Douglas County, OR | Mortgage lenders | 92% | 223 | 202 |
| Jackson County, OR | Cash-out refinance | 82% | 203 | 162 |
| Douglas County, OR | Home improvement loans | 86% | 91 | 77 |
| Jackson County, OR | Investment property purchase | 94% | 47 | 43 |
| Douglas County, OR | Cash-out refinance | 78% | 51 | 38 |
| Douglas County, OR | Refinance | 82% | 40 | 31 |
| Lane County, OR | Mortgage lenders | 94% | 33 | 30 |
The county markets where Rogue made the most loans. Each link opens that market with every lender ranked.
Questions about Rogue
What is Rogue's mortgage approval rate?
Rogue approved 88.3% of the 3,071 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.0 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan Rogue offers?
Borrowers accepted 97% of the loans Rogue approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Rogue make?
The typical home purchase mortgage loan Rogue made was $285K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Rogue lend?
Rogue decided applications in 9 of the states Fat Boy Data covers, most of them in Oregon, California and Idaho.
Can I apply to Rogue directly?
Yes. Rogue is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Rogue's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Rogue treats applications, then get a rate quote from the lender.