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 mid-sized mortgage company specializing in Home Purchase and Refi 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, Cincinnati, Columbus, and Bloomington among others. We have data for 392 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% | 12/17/24 |
| 30 Year Conventional Refi | 6.74% | 12/17/24 |
| 30 Year Cash-out Refi | 6.83% | 12/17/24 |
| 30 Year FHA Purchase | 7.73% | 12/17/24 |
| 30 Year FHA Refi | 7.69% | 12/17/24 |
| 30 Year VA Purchase | 6.61% | 12/17/24 |
| 30 Year VA Refi | 6.27% | 12/17/24 |
| 30 Year USDA Purchase | 7.07% | 12/17/24 |
| 30 Year USDA Refi | 7.02% | 12/17/24 |
| 15 Year Conventional Purchase | 6.25% | 12/17/24 |
| 15 Year Conventional Refi | 6.17% | 12/17/24 |
| 15 Year Cash-out Refi | 6.17% | 12/17/24 |
| 15 Year FHA Purchase | 5.68% | 12/17/24 |
| 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
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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
30,181Origination Dollar Volume (All Markets)
$5,547,725,000Awards
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RUOFF MORTGAGE COMPANY - 2020
RUOFF MORTGAGE COMPANY is a 2020 , due to their low .
For 2020, 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) | 5,924 | $1,258,980,000 | $212,522 | $2,612 | 3.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3,396 | $578,730,000 | $170,415 | $2,443 | 3.28% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1,393 | $298,985,000 | $214,634 | $2,912 | 3.22% |
| COLUMBUS, OH (FHA|USDA|VA) | 1,202 | $260,490,000 | $216,714 | $3,444 | 3.23% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1,113 | $244,455,000 | $219,636 | $2,502 | 3.14% |
| LOUISVILLE, KY (FHA|USDA|VA) | 996 | $197,310,000 | $198,102 | $2,707 | 3.17% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1,031 | $166,595,000 | $161,586 | $2,511 | 3.39% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 830 | $165,820,000 | $199,783 | $2,786 | 3.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 919 | $161,895,000 | $176,164 | $2,398 | 3.34% |
| Outside of Metro Areas | 1,039 | $146,575,000 | $141,073 | $2,449 | 3.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 594 | $119,960,000 | $201,953 | $2,332 | 3.23% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 918 | $118,350,000 | $128,922 | $2,166 | 3.47% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 612 | $103,460,000 | $169,052 | $2,584 | 3.35% |
| COLUMBUS, IN (FHA|USDA|VA) | 456 | $95,910,000 | $210,329 | $2,294 | 3.29% |
| AKRON, OH (FHA|USDA|VA) | 569 | $93,095,000 | $163,612 | $2,810 | 3.27% |
| Warsaw, IN (FHA|USDA|VA) | 516 | $91,120,000 | $176,589 | $2,425 | 3.35% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 304 | $67,430,000 | $221,809 | $2,488 | 3.22% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 355 | $65,485,000 | $184,465 | $3,106 | 3.27% |
| MUNCIE, IN (FHA|USDA|VA) | 445 | $58,545,000 | $131,562 | $2,144 | 3.41% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 320 | $51,110,000 | $159,719 | $2,219 | 3.28% |
| KOKOMO, IN (FHA|USDA|VA) | 375 | $50,555,000 | $134,813 | $2,065 | 3.34% |
| Auburn, IN (FHA|USDA|VA) | 297 | $48,395,000 | $162,946 | $2,421 | 3.33% |
| Angola, IN (FHA|USDA|VA) | 227 | $39,865,000 | $175,617 | $2,379 | 3.38% |
| Bedford, IN (FHA|USDA|VA) | 230 | $38,210,000 | $166,130 | $2,433 | 3.42% |
| NILES, MI (FHA|USDA|VA) | 215 | $35,955,000 | $167,233 | $2,625 | 3.26% |
| ANN ARBOR, MI (FHA|USDA|VA) | 148 | $35,010,000 | $236,554 | $2,588 | 3.10% |
| JACKSON, MI (FHA|USDA|VA) | 229 | $34,725,000 | $151,638 | $2,508 | 3.29% |
| Kendallville, IN (FHA|USDA|VA) | 212 | $34,360,000 | $162,075 | $2,328 | 3.33% |
| Plymouth, IN (FHA|USDA|VA) | 214 | $33,530,000 | $156,682 | $2,748 | 3.43% |
| OWENSBORO, KY (FHA|USDA|VA) | 189 | $30,665,000 | $162,249 | $2,834 | 3.33% |
| Huntington, IN (FHA|USDA|VA) | 204 | $29,670,000 | $145,441 | $2,324 | 3.39% |
| Frankfort, IN (FHA|USDA|VA) | 213 | $29,485,000 | $138,427 | $2,435 | 3.37% |
| TOLEDO, OH (FHA|USDA|VA) | 171 | $27,585,000 | $161,316 | $2,723 | 3.31% |
| Bluffton, IN (FHA|USDA|VA) | 172 | $26,460,000 | $153,837 | $2,071 | 3.32% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 142 | $25,630,000 | $180,493 | $3,141 | 3.29% |
| Sturgis, MI (FHA|USDA|VA) | 165 | $25,605,000 | $155,182 | $2,071 | 3.37% |
| Marion, IN (FHA|USDA|VA) | 195 | $23,465,000 | $120,333 | $2,061 | 3.48% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 113 | $21,135,000 | $187,035 | $2,972 | 2.95% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 122 | $20,430,000 | $167,459 | $2,641 | 3.22% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 67 | $19,395,000 | $289,478 | $2,280 | 3.16% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 91 | $19,065,000 | $209,505 | $2,691 | 3.17% |
| Logansport, IN (FHA|USDA|VA) | 165 | $18,035,000 | $109,303 | $1,933 | 3.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 74 | $16,720,000 | $225,946 | $3,508 | 3.20% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 88 | $15,740,000 | $178,864 | $2,242 | 3.31% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 47 | $15,345,000 | $326,489 | $2,840 | 3.15% |
| Madison, IN (FHA|USDA|VA) | 96 | $15,220,000 | $158,542 | $2,269 | 3.37% |
| Holland, MI (FHA|USDA|VA) | 61 | $15,015,000 | $246,148 | $2,199 | 3.11% |
| Decatur, IN (FHA|USDA|VA) | 100 | $14,050,000 | $140,500 | $2,314 | 3.35% |
| Seymour, IN (FHA|USDA|VA) | 88 | $13,840,000 | $157,273 | $2,181 | 3.43% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 91 | $13,115,000 | $144,121 | $2,332 | 3.39% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 40 | $12,220,000 | $305,500 | $2,907 | 2.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 66 | $10,660,000 | $161,515 | $2,439 | 3.11% |
| Greensburg, IN (FHA|USDA|VA) | 54 | $9,690,000 | $179,444 | $3,140 | 3.40% |
| Peru, IN (FHA|USDA|VA) | 73 | $9,635,000 | $131,986 | $2,193 | 3.42% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 50 | $9,460,000 | $189,200 | $3,480 | 3.05% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 48 | $9,120,000 | $190,000 | $2,871 | 3.27% |
| Crawfordsville, IN (FHA|USDA|VA) | 61 | $9,075,000 | $148,770 | $2,393 | 3.31% |
| Wabash, IN (FHA|USDA|VA) | 65 | $8,735,000 | $134,385 | $2,056 | 3.44% |
| Hillsdale, MI (FHA|USDA|VA) | 55 | $8,495,000 | $154,455 | $2,275 | 3.25% |
| New Castle, IN (FHA|USDA|VA) | 52 | $8,350,000 | $160,577 | $2,415 | 3.39% |
| FLINT, MI (FHA|USDA|VA) | 42 | $8,060,000 | $191,905 | $2,950 | 3.22% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 38 | $7,570,000 | $199,211 | $2,846 | 2.98% |
| Vincennes, IN (FHA|USDA|VA) | 55 | $7,395,000 | $134,455 | $2,472 | 3.56% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 30 | $7,120,000 | $237,333 | $3,903 | 2.91% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 31 | $7,005,000 | $225,968 | $4,255 | 3.07% |
| Madisonville, KY (FHA|USDA|VA) | 56 | $6,420,000 | $114,643 | $1,875 | 3.46% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 34 | $6,320,000 | $185,882 | $3,233 | 3.02% |
| MONROE, MI (FHA|USDA|VA) | 31 | $5,955,000 | $192,097 | $3,137 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 23 | $5,415,000 | $235,435 | $3,068 | 3.13% |
| Adrian, MI (FHA|USDA|VA) | 33 | $5,095,000 | $154,394 | $2,770 | 3.27% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 35 | $5,005,000 | $143,000 | $2,563 | 3.33% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 15 | $4,765,000 | $317,667 | $3,501 | 3.18% |
| North Vernon, IN (FHA|USDA|VA) | 31 | $4,565,000 | $147,258 | $2,270 | 3.48% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 23 | $4,545,000 | $197,609 | $3,565 | 3.36% |
| Mount Vernon, OH (FHA|USDA|VA) | 23 | $4,485,000 | $195,000 | $3,497 | 3.19% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 23 | $4,485,000 | $195,000 | $2,736 | 3.10% |
| KNOXVILLE, TN (FHA|USDA|VA) | 24 | $4,150,000 | $172,917 | $2,879 | 2.95% |
| Coldwater, MI (FHA|USDA|VA) | 30 | $4,060,000 | $135,333 | $2,014 | 3.42% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 23 | $3,985,000 | $173,261 | $2,259 | 3.05% |
| Scottsburg, IN (FHA|USDA|VA) | 23 | $3,835,000 | $166,739 | $2,287 | 3.47% |
| Traverse City, MI (FHA|USDA|VA) | 16 | $3,790,000 | $236,875 | $2,054 | 3.16% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 22 | $3,680,000 | $167,273 | $3,440 | 3.03% |
| RICHMOND, VA (FHA|USDA|VA) | 20 | $3,630,000 | $181,500 | $3,219 | 3.09% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 23 | $3,555,000 | $154,565 | $2,736 | 3.26% |
| Richmond, IN (FHA|USDA|VA) | 25 | $3,345,000 | $133,800 | $2,260 | 3.47% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $3,225,000 | $248,077 | $3,072 | 3.05% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 20 | $3,150,000 | $157,500 | $3,025 | 3.14% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 19 | $3,125,000 | $164,474 | $2,912 | 2.95% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 11 | $3,095,000 | $281,364 | $3,410 | 3.23% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $3,090,000 | $171,667 | $4,148 | 3.06% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 18 | $2,930,000 | $162,778 | $3,310 | 3.33% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 14 | $2,770,000 | $197,857 | $4,495 | 3.32% |
| Washington, IN (FHA|USDA|VA) | 16 | $2,770,000 | $173,125 | $3,240 | 3.55% |
| Wilmington, OH (FHA|USDA|VA) | 12 | $2,730,000 | $227,500 | $3,217 | 3.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $2,710,000 | $225,833 | $2,904 | 2.78% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 14 | $2,650,000 | $189,286 | $3,355 | 2.98% |
| Wooster, OH (FHA|USDA|VA) | 16 | $2,620,000 | $163,750 | $2,969 | 3.48% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 11 | $2,615,000 | $237,727 | $3,400 | 3.33% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $2,610,000 | $217,500 | $2,567 | 2.82% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 14 | $2,600,000 | $185,714 | $3,474 | 2.97% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 17 | $2,545,000 | $149,706 | $2,369 | 2.79% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 15 | $2,475,000 | $165,000 | $3,104 | 2.87% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $3,272 | 2.95% |
| Marion, OH (FHA|USDA|VA) | 14 | $2,320,000 | $165,714 | $3,730 | 3.24% |
| Bardstown, KY (FHA|USDA|VA) | 13 | $2,205,000 | $169,615 | $2,294 | 3.23% |
| Paducah, KY-IL (FHA|USDA|VA) | 8 | $2,160,000 | $270,000 | $2,776 | 3.09% |
| Salem, OH (FHA|USDA|VA) | 11 | $2,035,000 | $185,000 | $2,596 | 3.11% |
| THE VILLAGES, FL (FHA|USDA|VA) | 10 | $1,970,000 | $197,000 | $3,027 | 2.91% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $3,344 | 3.02% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 11 | $1,935,000 | $175,909 | $4,981 | 2.98% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 15 | $1,865,000 | $124,333 | $3,867 | 3.07% |
| Jasper, IN (FHA|USDA|VA) | 10 | $1,810,000 | $181,000 | $3,065 | 3.59% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 14 | $1,790,000 | $127,857 | $3,525 | 3.02% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $3,734 | 3.16% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $2,454 | 2.89% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 12 | $1,700,000 | $141,667 | $3,131 | 3.34% |
| Zanesville, OH (FHA|USDA|VA) | 11 | $1,665,000 | $151,364 | $3,225 | 3.24% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $1,630,000 | $163,000 | $2,842 | 3.01% |
| COLUMBIA, SC (FHA|USDA|VA) | 11 | $1,615,000 | $146,818 | $3,140 | 3.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $3,319 | 3.02% |
| Sandusky, OH (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $3,195 | 3.28% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 10 | $1,520,000 | $152,000 | $2,937 | 2.93% |
| OCALA, FL (FHA|USDA|VA) | 11 | $1,505,000 | $136,818 | $3,075 | 3.27% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $4,442 | 3.14% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $3,181 | 3.10% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $3,258 | 2.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 13 | $1,455,000 | $111,923 | $3,293 | 2.99% |
| MUSKEGON, MI (FHA|USDA|VA) | 10 | $1,410,000 | $141,000 | $2,206 | 3.36% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,390,000 | $173,750 | $3,248 | 3.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $3,324 | 3.00% |
| Glasgow, KY (FHA|USDA|VA) | 8 | $1,350,000 | $168,750 | $1,965 | 3.05% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 11 | $1,335,000 | $121,364 | $1,966 | 3.22% |
| Ashtabula, OH (FHA|USDA|VA) | 12 | $1,320,000 | $110,000 | $2,794 | 3.59% |
| Sevierville, TN (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $3,045 | 3.28% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $2,026 | 3.11% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 10 | $1,240,000 | $124,000 | $1,521 | 3.28% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $3,468 | 3.58% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $2,758 | 2.89% |
| Washington Court House, OH (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $3,426 | 3.34% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $2,844 | 2.93% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 9 | $1,105,000 | $122,778 | $2,830 | 3.01% |
| DOVER, DE (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $3,091 | 2.84% |
| Bellefontaine, OH (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $3,185 | 3.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 8 | $1,010,000 | $126,250 | $2,652 | 2.78% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $3,003 | 3.03% |
| Coshocton, OH (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $2,878 | 3.64% |
| MANSFIELD, OH (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $2,953 | 3.29% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $6,733 | 3.19% |
| Findlay, OH (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $2,371 | 3.03% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,168 | 3.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $3,137 | 3.04% |
| Defiance, OH (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $3,014 | 3.54% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,033 | 3.06% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,457 | 2.81% |
| Urbana, OH (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $3,403 | 3.34% |
| TULSA, OK (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $5,266 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $3,843 | 3.39% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $805,000 | $115,000 | $3,475 | 3.02% |
| Seneca, SC (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $3,133 | 3.10% |
| Chillicothe, OH (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $3,388 | 3.55% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 8 | $780,000 | $97,500 | $2,940 | 3.14% |
| Fremont, OH (FHA|USDA|VA) | 6 | $780,000 | $130,000 | $3,588 | 3.27% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $2,656 | 2.85% |
| MIDLAND, MI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,002 | 3.08% |
| Central City, KY (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,487 | 3.41% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,465 | 2.81% |
| Columbus, MS (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,326 | 3.00% |
| Cadillac, MI (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,247 | 3.31% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $3,259 | 3.23% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $2,594 | 3.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $115 | 4.13% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $2,702 | 3.13% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $2,953 | 3.20% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,901 | 2.97% |
| ERIE, PA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,069 | 3.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,962 | 3.38% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,959 | 3.19% |
| Norwalk, OH (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $2,838 | 3.25% |
| Greenville, OH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,265 | 3.08% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $1,904 | 2.63% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,286 | 3.21% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,744 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,200 | 2.81% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 3.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,910 | 3.04% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $2,665 | 2.94% |
| Cañon City, CO (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,378 | 3.22% |
| Key West, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 2.63% |
| SAGINAW, MI (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,562 | 2.81% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,977 | 3.16% |
| Ashland, OH (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $50 | 2.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,587 | 2.84% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,315 | 2.75% |
| NEW BERN, NC (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,990 | 2.88% |
| Mount Pleasant, MI (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,345 | 3.25% |
| Frankfort, KY (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,763 | 3.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,532 | 3.63% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,678 | 3.13% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,894 | 3.44% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,737 | 3.33% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,158 | 3.06% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,135 | 2.94% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,590 | 3.06% |
| Torrington, CT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,141 | 2.69% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,798 | 3.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $1,456 | 2.92% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,004 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,660 | 2.88% |
| AMES, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,964 | 3.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $2,742 | 2.97% |
| Big Rapids, MI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,283 | 3.42% |
| Celina, OH (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,959 | 2.75% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,177 | 2.79% |
| Van Wert, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,224 | 3.29% |
| Wilson, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,222 | 3.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,320 | 2.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,490 | 2.79% |
| Meridian, MS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,021 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,808 | 2.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,396 | 3.42% |
| HATTIESBURG, MS (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,221 | 2.96% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,392 | 2.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,640 | 3.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,271 | 2.88% |
| Connersville, IN (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $1,353 | 3.69% |
| Somerset, KY (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,662 | 2.96% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 4.38% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,203 | 2.75% |
| London, KY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,593 | 2.88% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,358 | 2.67% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,427 | 3.42% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,514 | 2.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,995 | 2.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,484 | 2.71% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $1,592 | 2.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,995 | 2.75% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,058 | 2.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,165 | 3.38% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,583 | 3.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $2,899 | 2.91% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,821 | 3.38% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,569 | 3.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,901 | 3.50% |
| LAWTON, OK (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,556 | 3.38% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,483 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,923 | 2.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,727 | 2.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,052 | 2.67% |
| Lake City, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,998 | 3.31% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,997 | 2.94% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,241 | 2.69% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,795 | 2.88% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,386 | 2.88% |
| Bainbridge, GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,758 | 3.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,786 | 2.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,929 | 3.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,051 | 3.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,624 | 3.00% |
| Maysville, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,778 | 3.13% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,026 | 2.75% |
| Sidney, OH (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,111 | 3.71% |
| ROME, GA (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,231 | 2.96% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,106 | 2.50% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,693 | 3.25% |
| Effingham, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,294 | 3.06% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,910 | 3.50% |
| Elkins, WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,886 | 3.00% |
| LIMA, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,596 | 3.69% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,961 | 3.19% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,119 | 2.69% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.38% |
| Concord, NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,033 | 2.88% |
| Jackson, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,155 | 2.94% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,630 | 3.69% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,852 | 3.50% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,128 | 3.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,002 | 2.69% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,525 | 3.44% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,103 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,060 | 2.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,220 | 2.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,357 | 3.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,969 | 2.88% |
| Athens, TN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,857 | 3.19% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,403 | 2.31% |
| Marquette, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,874 | 2.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,665 | 3.00% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,577 | 3.25% |
| Laconia, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,900 | 3.00% |
| Shelby, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,301 | 3.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,497 | 3.25% |
| Brevard, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,357 | 2.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,788 | 3.25% |
| Waycross, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,724 | 2.81% |
| Weatherford, OK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,911 | 2.69% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,198 | 3.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,462 | 3.50% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,747 | 2.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $388 | 3.75% |
| Mayfield, KY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,085 | 3.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $47 | 3.00% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,920 | 2.75% |
| Dayton, TN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,732 | 2.81% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,519 | 3.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,575 | 2.75% |
| Camden, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,108 | 3.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,665 | 2.88% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,442 | 2.75% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,382 | 3.06% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $302 | 3.50% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,460 | 3.63% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,364 | 3.75% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,860 | 3.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,016 | 2.75% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,670 | 2.63% |
| READING, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,876 | 3.25% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,645 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $625 | 2.88% |
| Searcy, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,612 | 2.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,889 | 3.38% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,677 | 2.88% |
| Marion, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,786 | 3.13% |
| Russellville, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,051 | 2.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,155 | 3.25% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,837 | 2.50% |
| Marshall, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,508 | 2.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,864 | 3.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,704 | 2.75% |
| Grenada, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,855 | 3.25% |
| Henderson, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,364 | 3.25% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,467 | 3.00% |
| Tifton, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,155 | 2.63% |
| Paragould, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,933 | 3.50% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,631 | 2.75% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,279 | 2.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,628 | 2.63% |
| Forest City, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,830 | 3.63% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,921 | 3.00% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,434 | 2.25% |
| Elk City, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,732 | 3.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,718 | 3.13% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,450 | 2.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,609 | 3.00% |
| Craig, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,685 | 3.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,875 | 3.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,606 | 3.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,050 | 2.63% |
| Alma, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $148 | 2.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,925 | 2.25% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,528 | 3.63% |
| Athens, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,983 | 2.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,094 | 3.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,968 | 4.00% |
| Alpena, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,648 | 3.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,160 | 3.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,051 | 2.63% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,591 | 3.88% |
| Kinston, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,753 | 3.75% |
| Mexico, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,047 | 2.50% |
| Duncan, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,197 | 2.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,323 | 3.75% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,215 | 3.00% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,634 | 2.38% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,949 | 3.25% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,895 | 2.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,160 | 3.00% |
| Keene, NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,706 | 2.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,630 | 2.75% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,505 | 3.00% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,199 | 3.38% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,004 | 3.63% |
| Miami, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,619 | 3.13% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,205 | 2.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,372 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,771 | 3.75% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,384 | 2.88% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,955 | 3.25% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,565 | 3.38% |
| Winfield, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,485 | 3.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,027 | 3.00% |
| Martin, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,128 | 3.00% |
| Jesup, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,680 | 3.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,263 | 3.00% |
| Cullman, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,239 | 2.75% |
| Atchison, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,788 | 2.63% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,674 | 3.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,725 | 3.13% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,885 | 3.25% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,090 | 2.75% |
| Athens, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,030 | 2.88% |
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Product Mix
For 2020, Ruoff Mortgage Company's most frequently originated type of loan was Conventional, with 22,596 originations. Their 2nd most popular type was FHA, with 4,695 originations.
Loan Reason
For 2020, Ruoff Mortgage Company's most frequently cited loan purpose was Home Purchase, with 16,563 originations. The 2nd most popular reason was Refi, with 9,861 originations.
Loan Duration/Length
For 2020, Ruoff Mortgage Company's most frequently cited loan duration was 30 Year, with 24,911 originations. The 2nd most popular length was 15 Year, with 3,394 originations.
Origination Fees/Closing Costs
Ruoff Mortgage Company's average total fees were $2,640, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 16,293 originations.
Interest Rates
During 2020, Ruoff Mortgage Company's average interest rate for loans was 3.35%, while their most frequently originated rate bucket for loans was 3-4%, with 17,999 originations.
Loan Sizing
2020 saw Ruoff Mortgage Company place emphasis on $100k-200k loans with 15,379 originations, totaling $2,276,655,000 in origination value.
Applicant Income
Ruoff Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 8,388 originations. The second most popular income band? $50k or less, with 8,320 originations.
Applicant Debt to Income Ratio
Ruoff Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 7,716 originations. The next most common DTI ratio? 30-36%, with 5,965 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.71%
Ruoff Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination76.42%
Ruoff Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 30,181 | $5,547,725,000 | $183,815 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 293 | $34,745,000 | $118,584 |
| Single Family (1-4 Units):Site-Built | 29,888 | $5,512,980,000 | $184,455 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| RUOFF MORTGAGE | Conventional home mortgage | Trouble during payment process | 2 | 28.6% |
| RUOFF MORTGAGE | FHA mortgage | Closing on a mortgage | 1 | 14.3% |
| RUOFF MORTGAGE | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| RUOFF MORTGAGE | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 42.9% |