Ruoff Mortgage Company Rates, Fees & Info

Indianapolis, IN

LEI: 549300GSCUJKJINRJ980

Tax ID: 35-1616238

5 stars - Updated: 3/17/24 - out of 5 stars, based on 120 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Ruoff Mortgage Company is a small mortgage company specializing in Home Purchase loans. Ruoff Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Indianapolis, Fort Wayne, Columbus, Cincinnati, and Louisville among others. We have data for 365 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ruoff Mortgage Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ruoff Mortgage Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.85% 3/17/24
30 Year Conventional Refi 6.74% 3/17/24
30 Year Cash-out Refi 6.83% 3/17/24
30 Year FHA Purchase 7.73% 3/17/24
30 Year FHA Refi 7.69% 3/17/24
30 Year VA Purchase 6.61% 3/17/24
30 Year VA Refi 6.27% 3/17/24
30 Year USDA Purchase 7.07% 3/17/24
30 Year USDA Refi 7.02% 3/17/24
15 Year Conventional Purchase 6.25% 3/17/24
15 Year Conventional Refi 6.17% 3/17/24
15 Year Cash-out Refi 6.17% 3/17/24
15 Year FHA Purchase 5.68% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Ruoff Mortgage Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ruoff Mortgage Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

14,465

Origination Dollar Volume (All Markets)

$2,914,995,000
Show all (186) awards

Relative Rate

Ruoff Mortgage Company's average 30 year fixed mortgage rate was 5.28%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.52%.

Relative Fees (Closing Costs)

Ruoff Mortgage Company's average total fees/closing costs for a 30 year fixed rate mortgage were $4,008.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1,985 $481,845,000 $242,743 $4,155 5.18%
FORT WAYNE, IN (FHA|USDA|VA) 1,342 $273,200,000 $203,577 $3,814 5.23%
COLUMBUS, OH (FHA|USDA|VA) 672 $169,660,000 $252,470 $5,203 5.29%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 631 $151,005,000 $239,311 $4,362 5.23%
LOUISVILLE, KY (FHA|USDA|VA) 621 $141,935,000 $228,559 $4,072 5.32%
BLOOMINGTON, IN (FHA|USDA|VA) 450 $115,730,000 $257,178 $3,379 5.10%
Outside of Metro Areas 724 $113,470,000 $156,727 $3,636 5.10%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 526 $95,590,000 $181,730 $3,878 5.30%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 376 $78,250,000 $208,112 $3,946 5.25%
TERRE HAUTE, IN (FHA|USDA|VA) 529 $73,805,000 $139,518 $3,021 5.30%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 332 $58,650,000 $176,657 $4,820 5.52%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 215 $50,155,000 $233,279 $3,835 5.23%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 254 $49,530,000 $195,000 $4,105 5.27%
MUNCIE, IN (FHA|USDA|VA) 324 $49,460,000 $152,654 $2,892 5.36%
Warsaw, IN (FHA|USDA|VA) 258 $48,450,000 $187,791 $3,898 5.15%
COLUMBUS, IN (FHA|USDA|VA) 187 $44,895,000 $240,080 $4,024 5.13%
AKRON, OH (FHA|USDA|VA) 254 $42,350,000 $166,732 $4,547 5.47%
Bedford, IN (FHA|USDA|VA) 180 $32,640,000 $181,333 $3,414 5.33%
Auburn, IN (FHA|USDA|VA) 144 $28,650,000 $198,958 $3,543 5.20%
KOKOMO, IN (FHA|USDA|VA) 182 $28,260,000 $155,275 $3,221 5.34%
JACKSON, MI (FHA|USDA|VA) 163 $25,755,000 $158,006 $3,617 5.08%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 96 $24,310,000 $253,229 $4,125 5.14%
DAYTON-KETTERING, OH (FHA|USDA|VA) 133 $23,735,000 $178,459 $4,151 5.33%
Marion, IN (FHA|USDA|VA) 158 $22,240,000 $140,759 $2,843 5.18%
Frankfort, IN (FHA|USDA|VA) 133 $21,735,000 $163,421 $3,286 5.00%
OWENSBORO, KY (FHA|USDA|VA) 116 $20,940,000 $180,517 $4,143 5.14%
EVANSVILLE, IN-KY (FHA|USDA|VA) 119 $20,855,000 $175,252 $3,786 5.35%
Angola, IN (FHA|USDA|VA) 101 $20,825,000 $206,188 $3,704 5.29%
Plymouth, IN (FHA|USDA|VA) 114 $20,350,000 $178,509 $4,222 5.09%
TOLEDO, OH (FHA|USDA|VA) 119 $20,185,000 $169,622 $4,756 5.40%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 85 $17,785,000 $209,235 $4,500 5.19%
Kendallville, IN (FHA|USDA|VA) 95 $16,515,000 $173,842 $3,594 5.24%
BOWLING GREEN, KY (FHA|USDA|VA) 78 $16,220,000 $207,949 $4,133 4.96%
Huntington, IN (FHA|USDA|VA) 108 $15,660,000 $145,000 $3,219 5.39%
Bluffton, IN (FHA|USDA|VA) 92 $15,630,000 $169,891 $2,950 4.91%
Madison, IN (FHA|USDA|VA) 78 $14,850,000 $190,385 $3,677 5.36%
NILES, MI (FHA|USDA|VA) 80 $13,360,000 $167,000 $4,000 4.98%
Sturgis, MI (FHA|USDA|VA) 65 $12,085,000 $185,923 $3,642 5.23%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 42 $11,930,000 $284,048 $4,996 4.54%
Decatur, IN (FHA|USDA|VA) 73 $11,905,000 $163,082 $3,319 5.28%
CANTON-MASSILLON, OH (FHA|USDA|VA) 60 $11,640,000 $194,000 $5,114 5.27%
Zanesville, OH (FHA|USDA|VA) 70 $11,470,000 $163,857 $4,347 5.14%
Wabash, IN (FHA|USDA|VA) 78 $10,380,000 $133,077 $3,113 5.46%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 42 $10,330,000 $245,952 $6,275 4.91%
Crawfordsville, IN (FHA|USDA|VA) 49 $9,155,000 $186,837 $3,635 5.51%
Peru, IN (FHA|USDA|VA) 66 $8,920,000 $135,152 $2,711 5.29%
COLUMBUS, GA-AL (FHA|USDA|VA) 41 $8,825,000 $215,244 $5,614 4.91%
Hillsdale, MI (FHA|USDA|VA) 49 $7,935,000 $161,939 $3,856 5.01%
Logansport, IN (FHA|USDA|VA) 64 $7,790,000 $121,719 $2,808 4.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 55 $7,415,000 $134,818 $4,848 5.11%
Seymour, IN (FHA|USDA|VA) 38 $7,380,000 $194,211 $3,458 5.28%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 40 $7,160,000 $179,000 $3,820 5.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $7,125,000 $375,000 $5,504 5.09%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 30 $6,800,000 $226,667 $4,376 5.16%
New Castle, IN (FHA|USDA|VA) 43 $6,745,000 $156,860 $3,030 6.14%
Vincennes, IN (FHA|USDA|VA) 46 $6,230,000 $135,435 $2,779 5.27%
Madisonville, KY (FHA|USDA|VA) 45 $6,115,000 $135,889 $2,592 5.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $6,105,000 $321,316 $5,234 5.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 22 $5,880,000 $267,273 $4,379 4.65%
Holland, MI (FHA|USDA|VA) 20 $5,510,000 $275,500 $4,234 5.86%
Adrian, MI (FHA|USDA|VA) 22 $4,960,000 $225,455 $3,052 4.85%
Coshocton, OH (FHA|USDA|VA) 32 $4,900,000 $153,125 $2,884 5.34%
JACKSONVILLE, FL (FHA|USDA|VA) 20 $4,830,000 $241,500 $5,301 4.29%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 20 $4,630,000 $231,500 $4,317 4.14%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 18 $4,490,000 $249,444 $5,297 5.42%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $4,415,000 $401,364 $3,134 4.15%
Greensburg, IN (FHA|USDA|VA) 25 $4,305,000 $172,200 $3,676 5.06%
Point Pleasant, WV-OH (FHA|USDA|VA) 26 $4,290,000 $165,000 $3,627 5.34%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 23 $4,225,000 $183,696 $3,822 4.38%
North Vernon, IN (FHA|USDA|VA) 21 $4,175,000 $198,810 $3,458 5.54%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 19 $4,085,000 $215,000 $5,974 5.75%
ANN ARBOR, MI (FHA|USDA|VA) 18 $4,030,000 $223,889 $4,359 4.85%
Bardstown, KY (FHA|USDA|VA) 18 $3,940,000 $218,889 $4,677 5.36%
Ashtabula, OH (FHA|USDA|VA) 24 $3,850,000 $160,417 $4,243 5.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 15 $3,845,000 $256,333 $4,688 4.63%
Athens, OH (FHA|USDA|VA) 15 $3,625,000 $241,667 $5,979 5.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $3,465,000 $385,000 $4,143 4.86%
KNOXVILLE, TN (FHA|USDA|VA) 17 $3,395,000 $199,706 $6,281 4.33%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 14 $3,390,000 $242,143 $6,961 5.41%
SPRINGFIELD, OH (FHA|USDA|VA) 18 $3,380,000 $187,778 $5,079 5.69%
Mount Vernon, OH (FHA|USDA|VA) 17 $3,275,000 $192,647 $4,478 5.54%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $3,095,000 $619,000 $8,093 5.90%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 19 $3,045,000 $160,263 $3,888 5.29%
Scottsburg, IN (FHA|USDA|VA) 14 $2,850,000 $203,571 $4,039 5.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $2,780,000 $198,571 $3,539 4.28%
BATTLE CREEK, MI (FHA|USDA|VA) 17 $2,685,000 $157,941 $3,583 4.78%
Marion, OH (FHA|USDA|VA) 16 $2,560,000 $160,000 $3,938 5.20%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $2,555,000 $232,273 $5,345 3.95%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,535,000 $362,143 $4,386 5.32%
MANSFIELD, OH (FHA|USDA|VA) 15 $2,425,000 $161,667 $4,168 5.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $2,400,000 $171,429 $5,445 5.43%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 10 $2,370,000 $237,000 $6,552 5.21%
OCALA, FL (FHA|USDA|VA) 9 $2,345,000 $260,556 $6,232 4.76%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $2,310,000 $192,500 $4,308 4.02%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $2,295,000 $459,000 $5,424 4.08%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $2,200,000 $183,333 $4,111 4.61%
MONROE, MI (FHA|USDA|VA) 9 $2,195,000 $243,889 $4,609 4.32%
Coldwater, MI (FHA|USDA|VA) 14 $2,160,000 $154,286 $2,913 5.52%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 11 $2,155,000 $195,909 $3,663 4.91%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,140,000 $214,000 $5,762 4.76%
Sandusky, OH (FHA|USDA|VA) 12 $2,020,000 $168,333 $3,787 5.49%
Bellefontaine, OH (FHA|USDA|VA) 8 $2,020,000 $252,500 $4,147 5.39%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,960,000 $326,667 $5,957 4.90%
Jackson, OH (FHA|USDA|VA) 14 $1,950,000 $139,286 $3,517 5.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 10 $1,800,000 $180,000 $4,196 4.91%
Wilmington, OH (FHA|USDA|VA) 9 $1,795,000 $199,444 $4,847 5.78%
Ashland, OH (FHA|USDA|VA) 8 $1,720,000 $215,000 $3,881 5.53%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $1,685,000 $337,000 $5,120 4.35%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 11 $1,625,000 $147,727 $5,589 4.30%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,910 5.43%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,545,000 $309,000 $9,673 4.43%
Wooster, OH (FHA|USDA|VA) 6 $1,540,000 $256,667 $5,824 6.10%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $1,520,000 $152,000 $4,105 4.68%
RICHMOND, VA (FHA|USDA|VA) 9 $1,475,000 $163,889 $5,468 3.81%
Chillicothe, OH (FHA|USDA|VA) 7 $1,475,000 $210,714 $4,786 5.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,460,000 $182,500 $3,839 4.39%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $1,445,000 $160,556 $3,115 4.03%
Jasper, IN (FHA|USDA|VA) 8 $1,420,000 $177,500 $4,625 6.06%
COLUMBIA, SC (FHA|USDA|VA) 8 $1,400,000 $175,000 $2,965 4.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 8 $1,350,000 $168,750 $4,156 4.64%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,255,000 $418,333 $5,312 5.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,240,000 $206,667 $5,379 5.46%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,645 4.05%
Washington, IN (FHA|USDA|VA) 7 $1,235,000 $176,429 $3,823 4.77%
Defiance, OH (FHA|USDA|VA) 8 $1,230,000 $153,750 $4,798 5.14%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,230,000 $205,000 $6,969 4.67%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,220,000 $203,333 $4,086 4.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $1,185,000 $131,667 $2,918 4.14%
Richmond, IN (FHA|USDA|VA) 8 $1,180,000 $147,500 $2,500 5.00%
Sevierville, TN (FHA|USDA|VA) 3 $1,165,000 $388,333 $2,668 3.79%
PITTSBURGH, PA (FHA|USDA|VA) 9 $1,165,000 $129,444 $4,535 3.78%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,022 4.06%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,120,000 $186,667 $4,323 5.71%
Glasgow, KY (FHA|USDA|VA) 5 $1,115,000 $223,000 $6,760 5.90%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 7 $1,115,000 $159,286 $5,756 3.77%
Greenville, OH (FHA|USDA|VA) 5 $1,115,000 $223,000 $2,951 4.93%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,085,000 $155,000 $3,756 4.52%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,035,000 $345,000 $7,625 4.88%
Frankfort, KY (FHA|USDA|VA) 6 $1,020,000 $170,000 $4,919 6.29%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,714 5.06%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $2,800 3.94%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,248 5.69%
MUSKEGON, MI (FHA|USDA|VA) 9 $1,015,000 $112,778 $4,215 6.42%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $975,000 $139,286 $6,314 4.68%
FLINT, MI (FHA|USDA|VA) 5 $965,000 $193,000 $3,879 4.95%
Washington Court House, OH (FHA|USDA|VA) 7 $965,000 $137,857 $3,707 4.80%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $940,000 $235,000 $5,191 4.63%
FLORENCE, SC (FHA|USDA|VA) 6 $920,000 $153,333 $3,818 3.48%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $900,000 $450,000 $12,094 4.56%
Connersville, IN (FHA|USDA|VA) 6 $870,000 $145,000 $3,110 5.17%
PANAMA CITY, FL (FHA|USDA|VA) 3 $855,000 $285,000 $9,995 5.21%
Cambridge, OH (FHA|USDA|VA) 6 $850,000 $141,667 $3,183 5.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $835,000 $167,000 $3,126 3.55%
New Philadelphia-Dover, OH (FHA|USDA|VA) 5 $825,000 $165,000 $4,086 5.25%
Campbellsville, KY (FHA|USDA|VA) 5 $825,000 $165,000 $3,472 6.25%
VALDOSTA, GA (FHA|USDA|VA) 4 $800,000 $200,000 $5,522 5.56%
BRUNSWICK, GA (FHA|USDA|VA) 2 $800,000 $400,000 $2,000 5.38%
LIMA, OH (FHA|USDA|VA) 4 $770,000 $192,500 $3,728 6.09%
MIDLAND, MI (FHA|USDA|VA) 3 $755,000 $251,667 $259 5.33%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $750,000 $187,500 $4,676 5.03%
THE VILLAGES, FL (FHA|USDA|VA) 2 $720,000 $360,000 $2,825 5.69%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $670,000 $335,000 $5,298 3.81%
GOLDSBORO, NC (FHA|USDA|VA) 4 $660,000 $165,000 $5,151 4.00%
TUCSON, AZ (FHA|USDA|VA) 3 $645,000 $215,000 $4,490 5.13%
Salem, OH (FHA|USDA|VA) 5 $635,000 $127,000 $3,508 5.73%
Marietta, OH (FHA|USDA|VA) 4 $620,000 $155,000 $5,073 5.44%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $620,000 $155,000 $5,493 4.59%
Danville, KY (FHA|USDA|VA) 3 $615,000 $205,000 $7,271 6.13%
GREENVILLE, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,499 4.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 3 $605,000 $201,667 $3,712 4.58%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $595,000 $595,000 $25 5.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $590,000 $147,500 $3,162 4.28%
CHARLESTON, WV (FHA|USDA|VA) 3 $585,000 $195,000 $2,684 5.04%
AMARILLO, TX (FHA|USDA|VA) 1 $585,000 $585,000 $1,817 7.00%
LYNCHBURG, VA (FHA|USDA|VA) 4 $580,000 $145,000 $2,925 4.13%
Norwalk, OH (FHA|USDA|VA) 4 $570,000 $142,500 $3,143 5.25%
Newport, TN (FHA|USDA|VA) 1 $565,000 $565,000 $25 5.38%
PUEBLO, CO (FHA|USDA|VA) 2 $560,000 $280,000 $1,525 5.81%
Georgetown, SC (FHA|USDA|VA) 2 $550,000 $275,000 $3,055 3.56%
SAVANNAH, GA (FHA|USDA|VA) 2 $550,000 $275,000 $6,410 5.00%
JACKSON, TN (FHA|USDA|VA) 3 $545,000 $181,667 $2,921 4.33%
ASHEVILLE, NC (FHA|USDA|VA) 4 $540,000 $135,000 $2,864 3.63%
TULSA, OK (FHA|USDA|VA) 4 $540,000 $135,000 $6,339 4.75%
Greeneville, TN (FHA|USDA|VA) 3 $525,000 $175,000 $6,957 3.92%
BEND, OR (FHA|USDA|VA) 1 $525,000 $525,000 $10,754 5.38%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $515,000 $171,667 $4,369 4.33%
Breckenridge, CO (FHA|USDA|VA) 1 $505,000 $505,000 $6,735 2.63%
JACKSON, MS (FHA|USDA|VA) 2 $500,000 $250,000 $5,657 5.44%
Central City, KY (FHA|USDA|VA) 3 $495,000 $165,000 $4,323 5.96%
Wapakoneta, OH (FHA|USDA|VA) 4 $490,000 $122,500 $2,364 5.03%
Alma, MI (FHA|USDA|VA) 2 $480,000 $240,000 $1,506 4.81%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $480,000 $240,000 $4,513 5.56%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $480,000 $120,000 $3,723 4.28%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $470,000 $117,500 $5,565 4.19%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $465,000 $465,000 $2,729 7.13%
PINE BLUFF, AR (FHA|USDA|VA) 2 $460,000 $230,000 $3,551 5.31%
APPLETON, WI (FHA|USDA|VA) 2 $460,000 $230,000 $5,018 5.69%
Fremont, OH (FHA|USDA|VA) 3 $455,000 $151,667 $6,375 6.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $450,000 $112,500 $5,465 5.78%
Steamboat Springs, CO (FHA|USDA|VA) 1 $445,000 $445,000 $17,022 4.75%
Urbana, OH (FHA|USDA|VA) 2 $440,000 $220,000 $8,627 6.69%
Mount Pleasant, MI (FHA|USDA|VA) 2 $440,000 $220,000 $5,001 6.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $435,000 $145,000 $5,319 3.96%
BAY CITY, MI (FHA|USDA|VA) 2 $430,000 $215,000 $10,275 4.75%
Forest City, NC (FHA|USDA|VA) 2 $430,000 $215,000 $3,114 3.94%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $0 5.00%
Rockingham, NC (FHA|USDA|VA) 2 $420,000 $210,000 $7,368 5.13%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $415,000 $415,000 $2,587 6.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $410,000 $205,000 $2,274 4.94%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $405,000 $405,000 $1 4.50%
Richmond-Berea, KY (FHA|USDA|VA) 2 $400,000 $200,000 $6,118 6.50%
Paducah, KY-IL (FHA|USDA|VA) 3 $395,000 $131,667 $3,842 4.75%
Toccoa, GA (FHA|USDA|VA) 2 $390,000 $195,000 $3,328 4.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,371 6.38%
Clewiston, FL (FHA|USDA|VA) 2 $380,000 $190,000 $4,668 3.50%
SPARTANBURG, SC (FHA|USDA|VA) 2 $380,000 $190,000 $2,406 5.31%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $375,000 $375,000 $1,581 7.25%
Barre, VT (FHA|USDA|VA) 1 $375,000 $375,000 $8,602 4.50%
MONTGOMERY, AL (FHA|USDA|VA) 3 $375,000 $125,000 $7,481 5.79%
ERIE, PA (FHA|USDA|VA) 2 $370,000 $185,000 $6,647 4.69%
WILMINGTON, NC (FHA|USDA|VA) 2 $370,000 $185,000 $3,911 4.25%
Jefferson, GA (FHA|USDA|VA) 1 $365,000 $365,000 $1,109 5.88%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.88%
Sidney, OH (FHA|USDA|VA) 2 $360,000 $180,000 $1,350 4.56%
LaGrange, GA-AL (FHA|USDA|VA) 1 $355,000 $355,000 $10,601 5.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $340,000 $170,000 $1,975 3.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $340,000 $170,000 $7,384 4.25%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $335,000 $335,000 $3,148 6.75%
SAGINAW, MI (FHA|USDA|VA) 2 $330,000 $165,000 $3,569 5.88%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $330,000 $165,000 $6,973 5.56%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $325,000 $325,000 $5,911 5.25%
HATTIESBURG, MS (FHA|USDA|VA) 2 $320,000 $160,000 $2,345 5.19%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $320,000 $160,000 $6,556 5.44%
Mount Sterling, KY (FHA|USDA|VA) 2 $310,000 $155,000 $3,147 5.56%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $305,000 $101,667 $2,835 4.33%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $300,000 $150,000 $3,188 6.25%
Ada, OK (FHA|USDA|VA) 2 $300,000 $150,000 $3,297 6.13%
READING, PA (FHA|USDA|VA) 2 $290,000 $145,000 $3,856 4.25%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,983 5.75%
BOULDER, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,355 5.50%
Stillwater, OK (FHA|USDA|VA) 2 $280,000 $140,000 $6,032 4.75%
TOPEKA, KS (FHA|USDA|VA) 2 $280,000 $140,000 $3,998 5.44%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $275,000 $275,000 $4,048 3.63%
MADISON, WI (FHA|USDA|VA) 1 $275,000 $275,000 $4,275 4.50%
Mayfield, KY (FHA|USDA|VA) 2 $270,000 $135,000 $4,655 5.38%
MIDLAND, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,145 4.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.38%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,358 5.38%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $260,000 $130,000 $2,146 4.00%
Tiffin, OH (FHA|USDA|VA) 2 $260,000 $130,000 $1,156 6.38%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $255,000 $255,000 $4,705 3.88%
Columbus, MS (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.25%
Natchitoches, LA (FHA|USDA|VA) 1 $255,000 $255,000 $4,086 3.75%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $255,000 $255,000 $746 5.63%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,242 5.88%
Traverse City, MI (FHA|USDA|VA) 1 $255,000 $255,000 $6,734 5.13%
Henderson, NC (FHA|USDA|VA) 1 $255,000 $255,000 $6,917 5.75%
Celina, OH (FHA|USDA|VA) 3 $255,000 $85,000 $2,249 5.63%
Findlay, OH (FHA|USDA|VA) 2 $250,000 $125,000 $3,064 6.06%
Cullman, AL (FHA|USDA|VA) 2 $250,000 $125,000 $1,825 4.88%
DECATUR, AL (FHA|USDA|VA) 2 $250,000 $125,000 $7,723 4.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,143 3.50%
Ludington, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,590 5.25%
Mount Airy, NC (FHA|USDA|VA) 2 $240,000 $120,000 $4,249 4.19%
MOBILE, AL (FHA|USDA|VA) 2 $240,000 $120,000 $3,852 5.69%
ROCHESTER, MN (FHA|USDA|VA) 1 $235,000 $235,000 $540 6.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $235,000 $78,333 $4,995 4.92%
DOVER, DE (FHA|USDA|VA) 2 $230,000 $115,000 $3,213 3.38%
Branson, MO (FHA|USDA|VA) 1 $225,000 $225,000 $13,076 6.50%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $220,000 $110,000 $5,417 5.06%
MONROE, LA (FHA|USDA|VA) 1 $215,000 $215,000 $4,616 5.63%
Guymon, OK (FHA|USDA|VA) 1 $215,000 $215,000 $7,195 4.63%
Van Wert, OH (FHA|USDA|VA) 2 $210,000 $105,000 $1,992 5.38%
Ozark, AL (FHA|USDA|VA) 2 $210,000 $105,000 $2,958 3.56%
Pittsburg, KS (FHA|USDA|VA) 1 $205,000 $205,000 $9,149 5.50%
Rockport, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.50%
WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,961 4.63%
Brownsville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,615 5.38%
Marshalltown, IA (FHA|USDA|VA) 2 $200,000 $100,000 $4,097 4.69%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $5,153 4.75%
Big Stone Gap, VA (FHA|USDA|VA) 2 $190,000 $95,000 $5,354 5.06%
ROME, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,575 4.00%
Laconia, NH (FHA|USDA|VA) 2 $180,000 $90,000 $3,002 4.50%
London, KY (FHA|USDA|VA) 2 $180,000 $90,000 $4,938 4.06%
DECATUR, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,944 5.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $175,000 $175,000 $495 4.88%
Brevard, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $170,000 $85,000 $2,969 4.44%
Warrensburg, MO (FHA|USDA|VA) 2 $170,000 $85,000 $4,371 4.94%
Statesboro, GA (FHA|USDA|VA) 1 $165,000 $165,000 $1,231 7.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $165,000 $165,000 $5,913 5.25%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $165,000 $165,000 $8,855 4.88%
Greenville, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,660 5.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $155,000 $155,000 $9,885 4.38%
Fergus Falls, MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,567 5.63%
Arcadia, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,879 3.75%
Cullowhee, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,215 3.88%
Rolla, MO (FHA|USDA|VA) 1 $145,000 $145,000 $6,427 3.25%
Sikeston, MO (FHA|USDA|VA) 1 $145,000 $145,000 $795 4.88%
Cookeville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,369 4.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $140,000 $70,000 $3,282 3.75%
Sunbury, PA (FHA|USDA|VA) 1 $135,000 $135,000 $9,867 6.38%
GAINESVILLE, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,546 4.25%
Marion, NC (FHA|USDA|VA) 1 $125,000 $125,000 $6,144 3.88%
Paragould, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,700 3.63%
Enterprise, AL (FHA|USDA|VA) 1 $125,000 $125,000 $7,619 4.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,526 4.13%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $115,000 $115,000 $7,175 3.25%
Albemarle, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,370 3.50%
Portsmouth, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,987 5.25%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,980 3.13%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,259 2.50%
Columbus, NE (FHA|USDA|VA) 1 $115,000 $115,000 $6,211 5.13%
Bainbridge, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,271 4.63%
KANKAKEE, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,852 5.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $105,000 $105,000 $3,280 3.25%
Durant, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,121 4.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $105,000 $105,000 $3,779 3.88%
Dublin, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,395 6.63%
Beatrice, NE (FHA|USDA|VA) 1 $105,000 $105,000 $1,925 3.50%
Moberly, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,237 3.13%
Martinsville, VA (FHA|USDA|VA) 1 $105,000 $105,000 $2,175 5.25%
Lewisburg, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.63%
Gaffney, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,679 3.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $100,000 $50,000 $3,932 4.94%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $95,000 $95,000 $3,909 4.38%
Fitzgerald, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,382 3.38%
Seneca, SC (FHA|USDA|VA) 1 $95,000 $95,000 $650 6.13%
BURLINGTON, NC (FHA|USDA|VA) 1 $95,000 $95,000 $5,209 5.00%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,047 3.50%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $95,000 $95,000 $540 4.88%
GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,405 2.63%
Sanford, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,629 4.38%
Palatka, FL (FHA|USDA|VA) 1 $95,000 $95,000 $6,430 4.00%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $95,000 $95,000 $5,527 3.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,782 6.00%
West Point, MS (FHA|USDA|VA) 1 $95,000 $95,000 $5,311 5.13%
MORRISTOWN, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,550 3.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $85,000 $85,000 $5,251 4.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $4,191 5.25%
SUMTER, SC (FHA|USDA|VA) 1 $85,000 $85,000 $2,326 3.38%
Ardmore, OK (FHA|USDA|VA) 1 $85,000 $85,000 $5,224 5.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $85,000 $85,000 $5,704 4.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,256 3.38%
Albert Lea, MN (FHA|USDA|VA) 1 $85,000 $85,000 $3,176 4.88%
LINCOLN, NE (FHA|USDA|VA) 1 $75,000 $75,000 $2,682 3.00%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,242 2.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $75,000 $75,000 $3,250 2.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,756 3.13%
Oxford, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,500 5.88%
New Castle, PA (FHA|USDA|VA) 1 $75,000 $75,000 $6,199 5.50%
ALBANY, GA (FHA|USDA|VA) 1 $75,000 $75,000 $3,979 5.25%
Maryville, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,563 3.00%
Athens, TN (FHA|USDA|VA) 1 $65,000 $65,000 $3,411 2.75%
Houghton, MI (FHA|USDA|VA) 1 $65,000 $65,000 $3,581 4.75%
Austin, MN (FHA|USDA|VA) 1 $65,000 $65,000 $2,412 3.00%
LANCASTER, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,008 3.00%
Oskaloosa, IA (FHA|USDA|VA) 1 $65,000 $65,000 $3,138 4.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,439 3.63%
Boone, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,139 4.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $55,000 $55,000 $3,692 3.25%
Vidalia, GA (FHA|USDA|VA) 1 $55,000 $55,000 $3,774 4.13%
Cordele, GA (FHA|USDA|VA) 1 $55,000 $55,000 $3,351 2.75%
DOTHAN, AL (FHA|USDA|VA) 1 $55,000 $55,000 $2,515 3.63%
DANVILLE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,219 5.25%
Ruoff Mortgage Company's top markets include Indianapolis, Fort Wayne, Columbus, Cincinnati, and Louisville among others.

Their top states include:
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against RUOFF MORTGAGE COMPANY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bay Area Credit Union, Inc.
    Similarity Rank: 18
    The Riddell National Bank
    Similarity Rank: 72
    Jackson County Bank
    Similarity Rank: 153
    Longview Bank & Trust
    Similarity Rank: 171
    Crossroads Bank
    Similarity Rank: 189
    BEACON CREDIT UNION
    Similarity Rank: 248
    Centra Credit Union
    Similarity Rank: 280
    Kellogg Community Credit Union
    Similarity Rank: 304
    CRANE
    Similarity Rank: 306

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,794 $2,049,640,000 $209,275 $3,228 5.17%
    FHA 3,456 $616,940,000 $178,513 $5,779 5.33%
    VA 644 $164,940,000 $256,118 $6,138 5.18%
    USDA 571 $83,475,000 $146,191 $2,696 5.05%

    For 2022, Ruoff Mortgage Company's most frequently originated type of loan was Conventional, with 9,794 originations. Their 2nd most popular type was FHA, with 3,456 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 12,196 $2,539,170,000 $208,197 $3,894 5.33%
    Cash Out Refi 1,704 $277,300,000 $162,735 $4,587 4.61%
    Refi 565 $98,525,000 $174,381 $3,943 4.21%

    For 2022, Ruoff Mortgage Company's most frequently cited loan purpose was Home Purchase, with 12,196 originations. The 2nd most popular reason was Cash Out Refi, with 1,704 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 13,612 $2,773,770,000 $203,774 $4,008 5.28%
    15 Year 611 $101,645,000 $166,358 $3,379 3.89%
    20 Year 172 $28,440,000 $165,349 $3,332 4.42%
    Other 37 $5,355,000 $144,730 $3,099 4.18%
    10 Year 24 $2,750,000 $114,583 $2,947 3.33%
    30+ year 9 $3,035,000 $337,222 $10,981 6.22%

    For 2022, Ruoff Mortgage Company's most frequently cited loan duration was 30 Year, with 13,612 originations. The 2nd most popular length was 15 Year, with 611 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,852 $1,196,680,000 $204,491
    $<1k 4,352 $790,490,000 $181,638
    $2k-3k 1,678 $335,170,000 $199,744
    $3k-4k 930 $204,320,000 $219,699
    $5k+ 635 $197,245,000 $310,622
    $4k-5k 477 $121,765,000 $255,273

    Ruoff Mortgage Company's average total fees were $4,008, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,852 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 5,279 $1,088,265,000 $206,150
    4-5% 2,958 $597,840,000 $202,110
    3-4% 2,813 $559,925,000 $199,049
    6-7% 2,426 $480,960,000 $198,252
    7-8% 774 $151,600,000 $195,866
    2.5-3% 172 $28,930,000 $168,198
    <2.5% 36 $6,500,000 $180,556
    Over 8% 7 $975,000 $139,286

    During 2022, Ruoff Mortgage Company's average interest rate for loans was 5.28%, while their most frequently originated rate bucket for loans was 5-6%, with 5,279 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 6,644 $989,310,000 $148,903 $3,463 5.19%
    $200k-400k 5,200 $1,406,360,000 $270,454 $4,796 5.26%
    $100,000 or less 1,869 $144,525,000 $77,327 $2,617 5.13%
    $400k-600k 642 $298,270,000 $464,595 $5,634 5.15%
    $600k-1MM 105 $70,215,000 $668,714 $6,200 4.96%
    $1MM+ 5 $6,315,000 $1,263,000 $4,328 4.18%

    2022 saw Ruoff Mortgage Company place emphasis on $100k-200k loans with 6,644 originations, totaling $989,310,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,427 $782,995,000 $176,868 $3,863 5.22%
    $50k or less 3,736 $470,560,000 $125,953 $3,103 5.05%
    $75k-100k 2,648 $586,430,000 $221,461 $4,440 5.26%
    $100k-150k 2,300 $622,580,000 $270,687 $4,685 5.32%
    $150k-250k 1,039 $334,225,000 $321,679 $4,799 5.28%
    $250k+ 310 $117,460,000 $378,903 $4,855 5.18%

    Ruoff Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 4,427 originations. The second most popular income band? $50k or less, with 3,736 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,744 $538,690,000 $196,316 $3,725 5.21%
    20-30% 2,735 $516,985,000 $189,026 $3,402 5.07%
    <20% 758 $133,570,000 $176,214 $3,147 4.90%
    44% 653 $139,535,000 $213,683 $4,437 5.22%
    43% 646 $134,010,000 $207,446 $4,268 5.26%
    50-60% 636 $136,200,000 $214,151 $6,391 5.26%
    40% 604 $123,480,000 $204,437 $4,068 5.23%
    38% 582 $117,800,000 $202,405 $3,753 5.27%
    41% 576 $118,530,000 $205,781 $4,045 5.21%
    39% 571 $114,585,000 $200,674 $3,957 5.28%
    42% 564 $115,600,000 $204,965 $3,901 5.26%
    37% 554 $110,070,000 $198,682 $3,854 5.22%
    36% 530 $105,550,000 $199,151 $3,874 5.34%
    49% 516 $115,520,000 $223,876 $4,447 5.35%
    45% 504 $110,820,000 $219,881 $4,269 5.31%
    46% 437 $95,905,000 $219,462 $4,325 5.34%
    47% 424 $93,630,000 $220,825 $4,365 5.31%
    48% 423 $92,785,000 $219,350 $4,462 5.34%
    >60% 4 $1,120,000 $280,000 $11,312 6.47%

    Ruoff Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 2,744 originations. The next most common DTI ratio? 20-30%, with 2,735 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 12,435 $2,470,085,000 $198,640 $3,901 5.20%
    Not provided 917 $199,715,000 $217,792 $4,202 5.26%
    Black 726 $148,680,000 $204,793 $4,818 5.23%
    Asian 310 $81,110,000 $261,645 $4,315 5.13%
    American Indian 53 $10,285,000 $194,057 $3,843 5.29%
    Native Hawaiian or Islander 20 $4,130,000 $206,500 $3,928 5.01%
    Vietnamese 1 $405,000 $405,000 $3,617 5.50%
    Other Pacific Islander 1 $235,000 $235,000 $7,431 6.00%
    Other Asian 1 $215,000 $215,000 $5,898 3.63%
    Korean 1 $135,000 $135,000 $3,199 6.13%

    Approval Rates

    Total approvals of all applications
    93.25%

    Ruoff Mortgage Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    59.81%

    Ruoff Mortgage Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 14,465 $2,914,995,000 $201,521

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    14,465 $2,914,995,000 $201,521

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 355 $38,525,000 $108,521 $3,090 4.60%
    40-60% 1,049 $162,905,000 $155,296 $3,310 4.73%
    60-80% 3,712 $748,710,000 $201,700 $3,827 5.14%
    80-100% 9,234 $1,938,030,000 $209,880 $4,068 5.31%
    Over 100% 90 $25,100,000 $278,889 $10,835 5.06%
    Under 20% 25 $1,725,000 $69,000 $2,850 4.73%