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. They have a low ratio of USDA loans. Their top markets by origination volume include: Indianapolis, Fort Wayne, Bloomington, Columbus, and South Bend among others. We have data for 290 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.85% | 4/19/24 |
| 30 Year Conventional Refi | 6.74% | 4/19/24 |
| 30 Year Cash-out Refi | 6.83% | 4/19/24 |
| 30 Year FHA Purchase | 7.73% | 4/19/24 |
| 30 Year FHA Refi | 7.69% | 4/19/24 |
| 30 Year VA Purchase | 6.61% | 4/19/24 |
| 30 Year VA Refi | 6.27% | 4/19/24 |
| 30 Year USDA Purchase | 7.07% | 4/19/24 |
| 30 Year USDA Refi | 7.02% | 4/19/24 |
| 15 Year Conventional Purchase | 6.25% | 4/19/24 |
| 15 Year Conventional Refi | 6.17% | 4/19/24 |
| 15 Year Cash-out Refi | 6.17% | 4/19/24 |
| 15 Year FHA Purchase | 5.68% | 4/19/24 |
| 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
16,373Origination Dollar Volume (All Markets)
$2,761,115,000Awards
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RUOFF MORTGAGE COMPANY - 2019
RUOFF MORTGAGE COMPANY is a 2019 , due to their low .
For 2019, 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) | 3,543 | $706,435,000 | $199,389 | $2,662 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1,941 | $317,625,000 | $163,640 | $2,473 | 4.24% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 660 | $137,910,000 | $208,955 | $2,558 | 4.15% |
| COLUMBUS, OH (FHA|USDA|VA) | 673 | $129,925,000 | $193,053 | $3,560 | 4.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 631 | $91,225,000 | $144,572 | $2,222 | 4.40% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 458 | $89,640,000 | $195,721 | $3,086 | 4.14% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 520 | $86,710,000 | $166,750 | $2,324 | 4.34% |
| Outside of Metro Areas | 625 | $80,365,000 | $128,584 | $2,374 | 4.40% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 620 | $75,280,000 | $121,419 | $2,203 | 4.49% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 360 | $72,110,000 | $200,306 | $2,983 | 4.11% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 387 | $60,035,000 | $155,129 | $2,519 | 4.36% |
| Warsaw, IN (FHA|USDA|VA) | 364 | $59,170,000 | $162,555 | $2,231 | 4.41% |
| LOUISVILLE, KY (FHA|USDA|VA) | 289 | $52,355,000 | $181,159 | $2,869 | 4.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 278 | $50,940,000 | $183,237 | $2,379 | 4.27% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 285 | $50,305,000 | $176,509 | $2,233 | 4.18% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 299 | $43,965,000 | $147,040 | $1,976 | 4.39% |
| AKRON, OH (FHA|USDA|VA) | 241 | $34,815,000 | $144,461 | $2,786 | 4.21% |
| MUNCIE, IN (FHA|USDA|VA) | 267 | $32,195,000 | $120,581 | $1,907 | 4.43% |
| Auburn, IN (FHA|USDA|VA) | 203 | $31,125,000 | $153,325 | $2,350 | 4.36% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 168 | $28,310,000 | $168,512 | $3,185 | 4.20% |
| Bedford, IN (FHA|USDA|VA) | 169 | $24,255,000 | $143,521 | $2,399 | 4.45% |
| Kendallville, IN (FHA|USDA|VA) | 160 | $23,250,000 | $145,313 | $2,176 | 4.32% |
| NILES, MI (FHA|USDA|VA) | 148 | $23,180,000 | $156,622 | $2,467 | 4.23% |
| Angola, IN (FHA|USDA|VA) | 146 | $22,980,000 | $157,397 | $2,319 | 4.24% |
| KOKOMO, IN (FHA|USDA|VA) | 164 | $22,830,000 | $139,207 | $2,493 | 4.43% |
| ANN ARBOR, MI (FHA|USDA|VA) | 94 | $21,250,000 | $226,064 | $2,726 | 4.19% |
| Huntington, IN (FHA|USDA|VA) | 143 | $20,785,000 | $145,350 | $2,200 | 4.37% |
| TOLEDO, OH (FHA|USDA|VA) | 125 | $17,825,000 | $142,600 | $2,638 | 4.30% |
| Plymouth, IN (FHA|USDA|VA) | 114 | $16,410,000 | $143,947 | $2,741 | 4.44% |
| Sturgis, MI (FHA|USDA|VA) | 120 | $15,600,000 | $130,000 | $2,237 | 4.33% |
| JACKSON, MI (FHA|USDA|VA) | 115 | $15,515,000 | $134,913 | $2,451 | 4.03% |
| Bluffton, IN (FHA|USDA|VA) | 109 | $14,695,000 | $134,817 | $1,809 | 4.33% |
| Marion, IN (FHA|USDA|VA) | 98 | $11,580,000 | $118,163 | $1,808 | 4.43% |
| OWENSBORO, KY (FHA|USDA|VA) | 73 | $11,035,000 | $151,164 | $2,635 | 4.16% |
| Frankfort, IN (FHA|USDA|VA) | 77 | $10,805,000 | $140,325 | $2,332 | 4.33% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 55 | $10,395,000 | $189,000 | $2,470 | 4.24% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 65 | $9,935,000 | $152,846 | $2,414 | 4.44% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 67 | $9,715,000 | $145,000 | $2,552 | 4.51% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 28 | $9,710,000 | $346,786 | $2,593 | 4.01% |
| Logansport, IN (FHA|USDA|VA) | 79 | $8,305,000 | $105,127 | $1,697 | 4.45% |
| Decatur, IN (FHA|USDA|VA) | 64 | $8,010,000 | $125,156 | $2,179 | 4.23% |
| Crawfordsville, IN (FHA|USDA|VA) | 58 | $8,000,000 | $137,931 | $2,483 | 4.50% |
| Seymour, IN (FHA|USDA|VA) | 47 | $7,365,000 | $156,702 | $2,443 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 37 | $7,155,000 | $193,378 | $3,477 | 4.04% |
| Greensburg, IN (FHA|USDA|VA) | 47 | $7,145,000 | $152,021 | $2,295 | 4.29% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 51 | $6,655,000 | $130,490 | $3,641 | 3.87% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 29 | $6,125,000 | $211,207 | $2,373 | 4.06% |
| Vincennes, IN (FHA|USDA|VA) | 51 | $5,845,000 | $114,608 | $2,199 | 4.57% |
| Madison, IN (FHA|USDA|VA) | 41 | $5,685,000 | $138,659 | $2,066 | 4.30% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 18 | $5,660,000 | $314,444 | $3,420 | 3.80% |
| Wabash, IN (FHA|USDA|VA) | 43 | $5,105,000 | $118,721 | $2,042 | 4.41% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 28 | $4,210,000 | $150,357 | $2,975 | 4.50% |
| New Castle, IN (FHA|USDA|VA) | 30 | $4,150,000 | $138,333 | $1,989 | 4.35% |
| Peru, IN (FHA|USDA|VA) | 36 | $4,090,000 | $113,611 | $2,270 | 4.36% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $3,925,000 | $301,923 | $3,678 | 4.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $3,895,000 | $155,800 | $3,719 | 4.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 22 | $3,670,000 | $166,818 | $4,180 | 4.00% |
| MONROE, MI (FHA|USDA|VA) | 19 | $3,525,000 | $185,526 | $3,339 | 4.22% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 17 | $3,275,000 | $192,647 | $3,274 | 3.87% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 16 | $3,180,000 | $198,750 | $2,581 | 3.84% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 13 | $2,925,000 | $225,000 | $3,226 | 4.33% |
| FLINT, MI (FHA|USDA|VA) | 20 | $2,820,000 | $141,000 | $2,137 | 4.28% |
| Scottsburg, IN (FHA|USDA|VA) | 20 | $2,690,000 | $134,500 | $1,986 | 4.44% |
| Adrian, MI (FHA|USDA|VA) | 17 | $2,545,000 | $149,706 | $2,679 | 4.22% |
| North Vernon, IN (FHA|USDA|VA) | 18 | $2,380,000 | $132,222 | $2,143 | 4.33% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 18 | $2,330,000 | $129,444 | $2,575 | 4.23% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,285,000 | $326,429 | $4,473 | 4.25% |
| Hillsdale, MI (FHA|USDA|VA) | 13 | $2,065,000 | $158,846 | $3,269 | 4.23% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $2,055,000 | $228,333 | $6,176 | 3.78% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 12 | $2,000,000 | $166,667 | $3,166 | 4.14% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 16 | $1,870,000 | $116,875 | $3,882 | 4.09% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $1,700,000 | $212,500 | $3,483 | 4.03% |
| Mount Vernon, OH (FHA|USDA|VA) | 12 | $1,680,000 | $140,000 | $2,301 | 4.35% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 15 | $1,595,000 | $106,333 | $2,697 | 3.87% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 10 | $1,510,000 | $151,000 | $2,343 | 3.86% |
| Holland, MI (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $3,238 | 4.14% |
| Ashtabula, OH (FHA|USDA|VA) | 13 | $1,445,000 | $111,154 | $2,629 | 4.45% |
| Jasper, IN (FHA|USDA|VA) | 8 | $1,330,000 | $166,250 | $2,040 | 4.73% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $1,260,000 | $126,000 | $2,802 | 4.08% |
| Coldwater, MI (FHA|USDA|VA) | 10 | $1,220,000 | $122,000 | $1,701 | 4.53% |
| Madisonville, KY (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $2,314 | 3.89% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $2,510 | 3.75% |
| Defiance, OH (FHA|USDA|VA) | 11 | $1,125,000 | $102,273 | $3,122 | 4.66% |
| Washington, IN (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $2,107 | 4.25% |
| Van Wert, OH (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $4,205 | 4.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,812 | 3.79% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $1,800 | 3.73% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $4,355 | 3.69% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $5,050 | 3.98% |
| Marion, OH (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $4,583 | 4.58% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $2,395 | 4.19% |
| Richmond, IN (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $3,834 | 4.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $5,196 | 4.17% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $3,418 | 4.15% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $4,556 | 4.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $2,378 | 4.34% |
| OCALA, FL (FHA|USDA|VA) | 7 | $745,000 | $106,429 | $4,260 | 3.77% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 7 | $745,000 | $106,429 | $4,087 | 3.93% |
| Paducah, KY-IL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,059 | 3.92% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,293 | 3.88% |
| MANSFIELD, OH (FHA|USDA|VA) | 7 | $705,000 | $100,714 | $2,547 | 4.55% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $4,487 | 3.77% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $5,635 | 4.06% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,899 | 4.38% |
| Bardstown, KY (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $1,780 | 4.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,479 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,260 | 4.03% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,295 | 3.59% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $595,000 | $85,000 | $3,321 | 3.43% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $1,673 | 4.42% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,570 | 4.34% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,340 | 4.06% |
| Concord, NH (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,702 | 3.91% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,791 | 4.44% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $2,837 | 3.88% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,167 | 3.78% |
| Washington Court House, OH (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,083 | 4.47% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,488 | 4.22% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $1,784 | 4.50% |
| Wooster, OH (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $2,485 | 4.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,498 | 3.81% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $2,673 | 3.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $2,946 | 4.06% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,619 | 4.79% |
| Chillicothe, OH (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $3,278 | 4.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $3,531 | 4.28% |
| Findlay, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,393 | 3.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,039 | 4.13% |
| Maysville, KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,079 | 4.06% |
| RENO, NV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,584 | 4.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,468 | 3.94% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $3,439 | 4.16% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,351 | 3.92% |
| Douglas, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,296 | 4.06% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $3,998 | 3.41% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,265 | 3.88% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $3,149 | 4.09% |
| Crossville, TN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,453 | 3.79% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,501 | 4.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $16,496 | 3.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,337 | 3.58% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,345 | 3.81% |
| Connersville, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,798 | 4.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,259 | 3.46% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,080 | 4.00% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,613 | 4.00% |
| Sidney, OH (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,985 | 3.71% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,471 | 3.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $505 | 4.00% |
| TULSA, OK (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,474 | 3.83% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,456 | 4.63% |
| Wilmington, OH (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,408 | 4.83% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,010 | 4.38% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,202 | 5.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,388 | 3.81% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,715 | 3.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,013 | 4.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $3,187 | 3.79% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $4,307 | 3.88% |
| Celina, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,305 | 4.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,506 | 3.31% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,504 | 4.94% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,613 | 3.88% |
| Tiffin, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 4.44% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,227 | 4.00% |
| BAY CITY, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,040 | 3.69% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,151 | 4.00% |
| Somerset, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,631 | 4.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,140 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,103 | 3.75% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,704 | 4.31% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,203 | 4.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $890 | 4.75% |
| Mayfield, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,498 | 4.06% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,978 | 3.50% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,675 | 4.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $383 | 3.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,388 | 3.81% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,163 | 4.00% |
| Houghton, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,624 | 3.38% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,917 | 3.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,296 | 4.00% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,794 | 3.88% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,607 | 3.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,722 | 3.94% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,738 | 3.81% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,727 | 3.75% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,334 | 4.19% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,801 | 3.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,653 | 4.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,331 | 3.50% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,275 | 4.00% |
| Big Rapids, MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,744 | 3.94% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,683 | 3.38% |
| Moberly, MO (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,799 | 4.19% |
| Cullman, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,660 | 3.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,225 | 5.13% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,772 | 4.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,868 | 3.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,653 | 4.75% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,254 | 3.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,373 | 3.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,719 | 4.06% |
| DANVILLE, IL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,176 | 4.88% |
| Central City, KY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,397 | 4.44% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,370 | 4.00% |
| Marshall, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,528 | 4.25% |
| LIMA, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,951 | 4.81% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,805 | 4.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,324 | 3.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $957 | 4.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,991 | 4.13% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.75% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,746 | 3.13% |
| Urbana, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,444 | 4.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,700 | 3.75% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,423 | 3.38% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,148 | 3.75% |
| AMES, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,977 | 3.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,012 | 3.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,301 | 3.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,988 | 4.38% |
| Indiana, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,958 | 3.25% |
| Ashland, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,691 | 3.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,453 | 3.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,833 | 3.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,831 | 4.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,727 | 4.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,814 | 3.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,494 | 4.00% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,128 | 3.88% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,957 | 3.88% |
| Bradford, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,661 | 4.88% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,083 | 3.50% |
| Ludington, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,012 | 5.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,324 | 3.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,080 | 4.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,865 | 3.13% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,358 | 3.63% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,933 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,763 | 4.25% |
| Russellville, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,838 | 4.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,495 | 4.00% |
| Pella, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,437 | 3.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,469 | 5.38% |
| Altus, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,741 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,393 | 4.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,568 | 3.63% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,656 | 3.75% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,735 | 3.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,230 | 3.63% |
| Greenville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,223 | 3.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $420 | 4.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,650 | 4.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,626 | 3.88% |
| Somerset, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,819 | 3.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,425 | 3.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,960 | 3.88% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,470 | 3.38% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,418 | 4.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,299 | 3.50% |
| Laurel, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,758 | 4.13% |
| Centralia, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,806 | 4.63% |
| Union, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,479 | 3.63% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,524 | 4.63% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,178 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,806 | 4.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,076 | 3.50% |
| RACINE, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,245 | 4.13% |
| Keene, NH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,338 | 4.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,615 | 4.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,398 | 4.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,226 | 3.50% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,393 | 3.63% |
| Alma, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,278 | 4.38% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,350 | 3.50% |
| McPherson, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,496 | 3.63% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,203 | 3.25% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,717 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,226 | 3.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,620 | 5.00% |
| Laconia, NH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,495 | 4.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,677 | 4.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,051 | 3.75% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,421 | 3.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,443 | 4.25% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,494 | 4.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,057 | 6.00% |
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Product Mix
For 2019, Ruoff Mortgage Company's most frequently originated type of loan was Conventional, with 10,515 originations. Their 2nd most popular type was FHA, with 3,821 originations.
Loan Reason
For 2019, Ruoff Mortgage Company's most frequently cited loan purpose was Home Purchase, with 12,504 originations. The 2nd most popular reason was Refi, with 2,373 originations.
Loan Duration/Length
For 2019, Ruoff Mortgage Company's most frequently cited loan duration was 30 Year, with 14,884 originations. The 2nd most popular length was 15 Year, with 1,067 originations.
Origination Fees/Closing Costs
Ruoff Mortgage Company's average total fees were $2,583, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 8,469 originations.
Interest Rates
During 2019, Ruoff Mortgage Company's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 4-5%, with 7,902 originations.
Loan Sizing
2019 saw Ruoff Mortgage Company place emphasis on $100k-200k loans with 8,495 originations, totaling $1,235,885,000 in origination value.
Applicant Income
Ruoff Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 5,615 originations. The second most popular income band? $50k-75k, with 4,689 originations.
Applicant Debt to Income Ratio
Ruoff Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 3,744 originations. The next most common DTI ratio? 30-36%, with 3,318 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.53%
Ruoff Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination74.04%
Ruoff Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 16,373 | $2,761,115,000 | $168,638 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 229 | $24,245,000 | $105,873 |
| Single Family (1-4 Units):Site-Built | 16,144 | $2,736,870,000 | $169,529 |