Ruoff Mortgage Company Rates, Fees & Info
Indianapolis, INLEI: 549300GSCUJKJINRJ980
Tax ID: 35-1616238
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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. Their top markets by origination volume include: Indianapolis, Fort Wayne, Bloomington, South Bend, and Columbus among others. We have data for 188 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.85% | 4/22/24 |
| 30 Year Conventional Refi | 6.74% | 4/22/24 |
| 30 Year Cash-out Refi | 6.83% | 4/22/24 |
| 30 Year FHA Purchase | 7.73% | 4/22/24 |
| 30 Year FHA Refi | 7.69% | 4/22/24 |
| 30 Year VA Purchase | 6.61% | 4/22/24 |
| 30 Year VA Refi | 6.27% | 4/22/24 |
| 30 Year USDA Purchase | 7.07% | 4/22/24 |
| 30 Year USDA Refi | 7.02% | 4/22/24 |
| 15 Year Conventional Purchase | 6.25% | 4/22/24 |
| 15 Year Conventional Refi | 6.17% | 4/22/24 |
| 15 Year Cash-out Refi | 6.17% | 4/22/24 |
| 15 Year FHA Purchase | 5.68% | 4/22/24 |
| 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
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This is not an official calculator from Ruoff Mortgage Company. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,200Origination Dollar Volume (All Markets)
$1,885,730,000Awards
RUOFF MORTGAGE COMPANY - 2018
RUOFF MORTGAGE COMPANY is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 3,038 | $543,310,000 | $178,838 | $3,129 | 4.91% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1,551 | $227,395,000 | $146,612 | $2,638 | 4.93% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 532 | $101,860,000 | $191,466 | $2,864 | 4.85% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 627 | $83,495,000 | $133,166 | $2,765 | 5.01% |
| COLUMBUS, OH (FHA|USDA|VA) | 410 | $71,820,000 | $175,171 | $3,699 | 5.03% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 462 | $69,970,000 | $151,450 | $2,668 | 4.99% |
| Outside of Metro Areas | 524 | $63,680,000 | $121,527 | $2,688 | 5.05% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 524 | $60,340,000 | $115,153 | $2,468 | 5.12% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 383 | $56,735,000 | $148,133 | $3,028 | 5.00% |
| Warsaw, IN (FHA|USDA|VA) | 308 | $46,650,000 | $151,461 | $2,750 | 5.02% |
| COLUMBUS, IN (FHA|USDA|VA) | 236 | $41,940,000 | $177,712 | $2,808 | 4.91% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 225 | $35,485,000 | $157,711 | $3,041 | 4.96% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 269 | $35,075,000 | $130,390 | $2,819 | 4.98% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 189 | $34,345,000 | $181,720 | $3,364 | 4.94% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 137 | $25,745,000 | $187,920 | $2,780 | 5.06% |
| AKRON, OH (FHA|USDA|VA) | 188 | $24,750,000 | $131,649 | $3,162 | 4.90% |
| MUNCIE, IN (FHA|USDA|VA) | 187 | $21,035,000 | $112,487 | $2,047 | 4.99% |
| NILES, MI (FHA|USDA|VA) | 148 | $20,290,000 | $137,095 | $2,747 | 4.96% |
| Auburn, IN (FHA|USDA|VA) | 133 | $19,505,000 | $146,654 | $2,906 | 4.99% |
| Kendallville, IN (FHA|USDA|VA) | 137 | $18,345,000 | $133,905 | $2,525 | 5.05% |
| Bedford, IN (FHA|USDA|VA) | 132 | $18,050,000 | $136,742 | $2,700 | 5.13% |
| Sturgis, MI (FHA|USDA|VA) | 124 | $17,230,000 | $138,952 | $2,949 | 4.96% |
| LOUISVILLE, KY (FHA|USDA|VA) | 108 | $16,680,000 | $154,444 | $3,039 | 5.22% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 118 | $16,410,000 | $139,068 | $3,463 | 4.94% |
| ANN ARBOR, MI (FHA|USDA|VA) | 77 | $15,675,000 | $203,571 | $3,155 | 4.86% |
| Huntington, IN (FHA|USDA|VA) | 98 | $12,900,000 | $131,633 | $2,620 | 5.00% |
| Plymouth, IN (FHA|USDA|VA) | 96 | $12,370,000 | $128,854 | $2,956 | 4.98% |
| Bluffton, IN (FHA|USDA|VA) | 91 | $11,715,000 | $128,736 | $2,066 | 4.92% |
| Angola, IN (FHA|USDA|VA) | 61 | $9,365,000 | $153,525 | $2,800 | 5.03% |
| TOLEDO, OH (FHA|USDA|VA) | 66 | $8,750,000 | $132,576 | $2,708 | 4.98% |
| Marion, IN (FHA|USDA|VA) | 61 | $6,805,000 | $111,557 | $2,161 | 5.18% |
| Logansport, IN (FHA|USDA|VA) | 65 | $6,555,000 | $100,846 | $2,083 | 5.20% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 48 | $6,550,000 | $136,458 | $3,065 | 5.11% |
| Decatur, IN (FHA|USDA|VA) | 53 | $5,875,000 | $110,849 | $2,656 | 5.05% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 41 | $5,755,000 | $140,366 | $3,044 | 5.09% |
| Crawfordsville, IN (FHA|USDA|VA) | 40 | $5,500,000 | $137,500 | $2,276 | 5.06% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 21 | $5,485,000 | $261,190 | $4,907 | 4.55% |
| Greensburg, IN (FHA|USDA|VA) | 39 | $5,365,000 | $137,564 | $2,190 | 5.15% |
| Frankfort, IN (FHA|USDA|VA) | 41 | $5,305,000 | $129,390 | $2,677 | 5.04% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 26 | $5,020,000 | $193,077 | $3,961 | 4.76% |
| KOKOMO, IN (FHA|USDA|VA) | 33 | $4,805,000 | $145,606 | $3,098 | 5.02% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 33 | $4,375,000 | $132,576 | $3,120 | 5.03% |
| Wabash, IN (FHA|USDA|VA) | 36 | $3,980,000 | $110,556 | $2,075 | 5.18% |
| Seymour, IN (FHA|USDA|VA) | 30 | $3,820,000 | $127,333 | $2,659 | 5.19% |
| JACKSON, MI (FHA|USDA|VA) | 28 | $3,730,000 | $133,214 | $2,761 | 5.07% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 17 | $3,695,000 | $217,353 | $3,282 | 4.74% |
| Vincennes, IN (FHA|USDA|VA) | 39 | $3,535,000 | $90,641 | $2,374 | 5.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $2,810,000 | $156,111 | $4,634 | 4.80% |
| New Castle, IN (FHA|USDA|VA) | 19 | $2,625,000 | $138,158 | $3,245 | 5.19% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $6,753 | 4.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $2,430,000 | $151,875 | $4,437 | 5.02% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $3,913 | 4.70% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $3,086 | 4.55% |
| Peru, IN (FHA|USDA|VA) | 11 | $1,375,000 | $125,000 | $3,063 | 5.06% |
| Washington, IN (FHA|USDA|VA) | 9 | $1,275,000 | $141,667 | $2,104 | 5.13% |
| Mount Vernon, OH (FHA|USDA|VA) | 10 | $1,270,000 | $127,000 | $2,830 | 5.19% |
| Marion, OH (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $3,086 | 5.34% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $4,566 | 5.17% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $4,405 | 4.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $4,260 | 4.71% |
| Scottsburg, IN (FHA|USDA|VA) | 10 | $1,060,000 | $106,000 | $2,267 | 5.18% |
| Adrian, MI (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $2,483 | 4.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,796 | 4.63% |
| FLINT, MI (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $2,339 | 5.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $3,007 | 5.03% |
| Richmond, IN (FHA|USDA|VA) | 6 | $790,000 | $131,667 | $2,337 | 5.19% |
| OWENSBORO, KY (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,006 | 5.13% |
| MONROE, MI (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $5,024 | 4.85% |
| Holland, MI (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,838 | 4.83% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,958 | 4.81% |
| Jasper, IN (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $2,031 | 5.09% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,717 | 5.22% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,008 | 4.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,668 | 5.17% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,686 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $2,758 | 4.47% |
| North Vernon, IN (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $2,356 | 5.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,596 | 4.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,715 | 5.34% |
| Van Wert, OH (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,177 | 4.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,865 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,238 | 4.83% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,501 | 4.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $1,505 | 5.00% |
| Defiance, OH (FHA|USDA|VA) | 5 | $445,000 | $89,000 | $3,845 | 5.35% |
| Tiffin, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,410 | 5.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,829 | 4.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,771 | 4.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,985 | 4.00% |
| Coldwater, MI (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $1,130 | 5.06% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,175 | 4.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,210 | 5.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,737 | 4.79% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,174 | 5.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,106 | 5.17% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,551 | 5.19% |
| Ashtabula, OH (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $3,812 | 4.97% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,044 | 5.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,745 | 5.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,055 | 4.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,057 | 4.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,266 | 5.19% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,063 | 4.75% |
| Wooster, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,463 | 5.19% |
| Wilmington, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,282 | 5.38% |
| Central City, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $769 | 5.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,881 | 4.94% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,835 | 5.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $2,724 | 4.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,110 | 4.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,350 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $16,061 | 4.25% |
| Houghton, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,661 | 4.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,802 | 4.63% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,792 | 4.25% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 5.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,699 | 5.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,786 | 4.25% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,247 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,276 | 4.50% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,598 | 5.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,378 | 4.56% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,088 | 3.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,164 | 5.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,010 | 4.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,444 | 4.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,448 | 5.38% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,539 | 5.13% |
| Lake City, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,886 | 4.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,986 | 5.06% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $628 | 5.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,684 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,790 | 4.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,226 | 5.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,791 | 4.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,426 | 5.25% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,933 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,394 | 5.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,769 | 4.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,062 | 4.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,211 | 4.00% |
| Fremont, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,750 | 4.69% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,871 | 5.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,536 | 4.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,514 | 5.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,493 | 4.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,299 | 5.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,774 | 4.88% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,280 | 4.75% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.13% |
| Ashland, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,396 | 5.00% |
| Madison, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,835 | 4.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,212 | 4.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,111 | 4.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,411 | 5.38% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,126 | 5.00% |
| Athens, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,784 | 6.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,089 | 5.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,213 | 4.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,497 | 4.88% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,875 | 5.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,699 | 5.50% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,998 | 4.25% |
| Russellville, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,276 | 5.75% |
| London, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,529 | 4.25% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,623 | 4.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,478 | 5.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,353 | 5.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,627 | 5.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,821 | 5.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,441 | 5.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,677 | 4.88% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,541 | 4.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,458 | 4.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,986 | 3.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,913 | 4.38% |
| Urbana, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,451 | 4.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,394 | 4.00% |
| Lamesa, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,463 | 5.00% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,166 | 5.88% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,933 | 5.00% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,769 | 5.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,508 | 4.88% |
| Alpena, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.88% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,076 | 5.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $706 | 4.63% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,225 | 4.50% |
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Product Mix
For 2018, Ruoff Mortgage Company's most frequently originated type of loan was Conventional, with 6,861 originations. Their 2nd most popular type was FHA, with 3,648 originations.
Loan Reason
For 2018, Ruoff Mortgage Company's most frequently cited loan purpose was Home Purchase, with 11,231 originations. The 2nd most popular reason was Cash Out Refi, with 581 originations.
Loan Duration/Length
For 2018, Ruoff Mortgage Company's most frequently cited loan duration was 30 Year, with 11,658 originations. The 2nd most popular length was 15 Year, with 408 originations.
Origination Fees/Closing Costs
Ruoff Mortgage Company's average total fees were $2,923, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,662 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 7,264 | $1,209,480,000 | $166,503 |
| 5-6% | 4,690 | $633,210,000 | $135,013 |
| 3-4% | 193 | $37,955,000 | $196,658 |
| 6-7% | 53 | $5,085,000 | $95,943 |
During 2018, Ruoff Mortgage Company's average interest rate for loans was 4.99%, while their most frequently originated rate bucket for loans was 4-5%, with 7,264 originations.
Loan Sizing
2018 saw Ruoff Mortgage Company place emphasis on $100k-200k loans with 6,524 originations, totaling $942,190,000 in origination value.
Applicant Income
Ruoff Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 4,817 originations. The second most popular income band? $50k-75k, with 3,735 originations.
Applicant Debt to Income Ratio
Ruoff Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 2,533 originations. The next most common DTI ratio? 20-30%, with 2,518 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.96%
Ruoff Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination77.51%
Ruoff Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,200 | $1,885,730,000 | $154,568 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 203 | $21,045,000 | $103,670 |
| Single Family (1-4 Units):Site-Built | 11,997 | $1,864,685,000 | $155,429 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| RUOFF MORTGAGE | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |