Applications / Mortgage Analytics / Lenders / Oregon / Rogue Credit Union
Medford, OR · Credit union · NCUA · $4.2 billion assets · 1,903 loans in 2025
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1,903
loans originated, 2025
2,741
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rogue Credit Union is the largest mortgage lender in Medford, OR, where its share rose to 10.6% in 2025, and it makes far more manufactured-home loans than similar lenders.
It ranked 1 of 230 lenders in Medford, with a share of 10.6%, up from 8.9%, ahead of Guild Mortgage Company and CMG Mortgage. The 2025 merger with Members 1st Credit Union, whose filings count as Rogue's in these figures, may account for part of the rise. In Grants Pass it ranked 2 of 168 behind Nations Lending, and its share fell to 10.2% from 11.8% possibly as more of its lending went to Medford.
18.0% of its loans were for manufactured homes, against 0.3% at similar lenders (credit unions making between half and twice as many loans), more than nearly all of them. 11.7% of its loans were higher-priced (a rate well above the average for similar loans), against 1.2%. Manufactured-home loans often carry higher rates, which could account for most of that difference.
Originations rose 5% to 1,903, while similar lenders grew 10% and the whole market 10%. Its typical loan was $105,000, against $115,000 at similar lenders and $205,000 five years earlier; home improvement was 26.9% of its lending and other purposes 26.2%.
It turned down 5.7% of first-lien purchase applications on owner-occupied homes and 16.8% of refinance applications, against 6.3% and 20.1%. 28.3% of its loans went to LMI (low- and moderate-income) borrowers, against 26.4%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rogue Credit Union took 2,741 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 32.2% · Home improvement 26.9% · Other 26.2% · Refinance 14.8%
Conventional 98.2% · VA 1.8% · of 1,903 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oregon | 1,751 | 92.0% |
| Idaho | 92 | 4.8% |
| California | 50 | 2.6% |
| North Carolina | 3 | 0.2% |
| Arizona | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Florida | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Ohio | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Medford | 904 |
| Grants Pass | 277 |
| Boise City | 25 |
| Eugene-Springfield | 21 |
| Redding | 14 |
| Portland-Vancouver-Hillsboro | 12 |
| Bend | 7 |
| Corvallis | 6 |
| Salem | 6 |
| Albany | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HH0V8LECLNPQ26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 725385 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511393 | 1992–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568660 | 2015–2017 |
Established 1 January 1956. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Rogue Credit Union's data.
Rogue Credit Union's data
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Rogue Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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