Purchase Originations
441
Median Total Costs
$5,244
−21.5% vs national ($6,680)
↓ $30 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,708
Median Lender Credits
$650
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 411 | 6.625% | $5,185 | $1,688 |
| va | 30 | 6.500% | $6,524 | $1,901 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 412 | 6.625% | $5,275 | #27 |
| California | 15 | 6.500% | $4,261 | — |
| Idaho | 14 | 6.125% | $6,068 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,661 | 6.000% | — | 2 | −$1,583 | |
| 2 | $3,800 | 6.250% | — | 1 | −$1,444 | |
| 3 | $4,247 | 5.125% | — | 1 | −$997 | |
| 4 | $4,372 | 6.375% | — | 3 | −$872 | |
| 5 | $4,385 | 6.750% | — | 9 | −$859 | |
| 6 | $4,662 | 6.625% | — | 1 | −$582 | |
| 7 | $4,824 | 7.625% | — | 1 | −$420 | |
| 8 | $4,893 | 6.500% | — | 23 | −$351 | |
| 9 | $5,069 | 6.625% | — | 65 | −$175 | |
| 10 | $5,205 | 6.625% | — | 200 | −$39 | |
| 11 | $5,309 | 6.688% | — | 18 | +$65 | |
| 12 | $5,340 | 7.062% | — | 4 | +$96 | |
| 13 | $5,589 | 6.750% | — | 53 | +$345 | |
| 14 | $5,607 | 6.125% | — | 2 | +$363 | |
| 15 | $5,844 | 7.125% | — | 3 | +$600 | |
| 16 | $5,867 | 6.125% | — | 7 | +$623 | |
| 17 | $6,401 | 6.625% | — | 18 | +$1,157 | |
| 18 | $6,521 | 6.125% | — | 5 | +$1,277 | |
| 19 | $7,777 | 6.375% | — | 21 | +$2,533 | |
| 20 | $14,854 | 5.625% | — | 1 | +$9,610 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Rogue | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,244 | $7,127 | −$1,883 (−26.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.