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, Columbus, Cincinnati, and Bloomington among others. We have data for 440 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
29,294Origination Dollar Volume (All Markets)
$5,455,050,000Awards
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RUOFF MORTGAGE COMPANY - 2021
RUOFF MORTGAGE COMPANY is a 2021 , due to their low .
For 2021, 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) | 4,619 | $1,008,985,000 | $218,442 | $2,855 | 3.12% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2,754 | $485,970,000 | $176,460 | $2,729 | 3.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1,287 | $301,525,000 | $234,285 | $3,754 | 3.18% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1,392 | $300,200,000 | $215,661 | $3,333 | 3.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 991 | $232,025,000 | $234,132 | $2,593 | 3.03% |
| Outside of Metro Areas | 1,283 | $189,815,000 | $147,946 | $2,687 | 3.17% |
| LOUISVILLE, KY (FHA|USDA|VA) | 882 | $184,570,000 | $209,263 | $3,209 | 3.07% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 874 | $166,420,000 | $190,412 | $2,832 | 3.21% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 941 | $159,695,000 | $169,708 | $2,624 | 3.22% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 664 | $130,510,000 | $196,551 | $2,886 | 3.14% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 961 | $128,575,000 | $133,793 | $2,385 | 3.26% |
| Warsaw, IN (FHA|USDA|VA) | 574 | $103,700,000 | $180,662 | $2,783 | 3.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 496 | $102,890,000 | $207,440 | $2,747 | 3.11% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 515 | $95,635,000 | $185,699 | $2,751 | 3.21% |
| AKRON, OH (FHA|USDA|VA) | 621 | $95,095,000 | $153,132 | $3,171 | 3.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 378 | $81,950,000 | $216,799 | $2,624 | 3.16% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 438 | $77,960,000 | $177,991 | $3,430 | 3.13% |
| MUNCIE, IN (FHA|USDA|VA) | 476 | $64,150,000 | $134,769 | $2,327 | 3.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 375 | $60,805,000 | $162,147 | $2,655 | 3.15% |
| Auburn, IN (FHA|USDA|VA) | 292 | $53,990,000 | $184,897 | $3,011 | 3.18% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 225 | $52,635,000 | $233,933 | $3,051 | 3.12% |
| Bedford, IN (FHA|USDA|VA) | 302 | $52,450,000 | $173,675 | $2,684 | 3.23% |
| KOKOMO, IN (FHA|USDA|VA) | 360 | $51,390,000 | $142,750 | $2,540 | 3.23% |
| OWENSBORO, KY (FHA|USDA|VA) | 298 | $50,910,000 | $170,839 | $3,070 | 3.13% |
| JACKSON, MI (FHA|USDA|VA) | 291 | $45,935,000 | $157,852 | $2,566 | 3.21% |
| Frankfort, IN (FHA|USDA|VA) | 249 | $38,165,000 | $153,273 | $2,418 | 3.11% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 180 | $37,030,000 | $205,722 | $3,288 | 3.07% |
| Angola, IN (FHA|USDA|VA) | 189 | $36,115,000 | $191,085 | $2,763 | 3.15% |
| Marion, IN (FHA|USDA|VA) | 263 | $33,365,000 | $126,863 | $2,423 | 3.27% |
| Kendallville, IN (FHA|USDA|VA) | 194 | $32,320,000 | $166,598 | $2,931 | 3.20% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 176 | $31,670,000 | $179,943 | $3,352 | 3.17% |
| TOLEDO, OH (FHA|USDA|VA) | 196 | $31,430,000 | $160,357 | $3,262 | 3.26% |
| Plymouth, IN (FHA|USDA|VA) | 187 | $31,395,000 | $167,888 | $2,832 | 3.24% |
| NILES, MI (FHA|USDA|VA) | 178 | $30,080,000 | $168,989 | $2,681 | 3.10% |
| ANN ARBOR, MI (FHA|USDA|VA) | 125 | $28,085,000 | $224,680 | $2,717 | 3.02% |
| Sturgis, MI (FHA|USDA|VA) | 157 | $25,075,000 | $159,713 | $2,765 | 3.20% |
| Bluffton, IN (FHA|USDA|VA) | 152 | $24,620,000 | $161,974 | $2,539 | 3.13% |
| Logansport, IN (FHA|USDA|VA) | 203 | $24,195,000 | $119,187 | $2,211 | 3.29% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 136 | $23,390,000 | $171,985 | $3,188 | 3.14% |
| Huntington, IN (FHA|USDA|VA) | 160 | $22,650,000 | $141,563 | $2,646 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 131 | $22,445,000 | $171,336 | $2,896 | 2.86% |
| Madison, IN (FHA|USDA|VA) | 126 | $21,170,000 | $168,016 | $2,638 | 3.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 74 | $18,320,000 | $247,568 | $3,537 | 3.02% |
| Decatur, IN (FHA|USDA|VA) | 115 | $17,125,000 | $148,913 | $2,388 | 3.21% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 49 | $17,025,000 | $347,449 | $3,651 | 2.89% |
| Wabash, IN (FHA|USDA|VA) | 111 | $15,135,000 | $136,351 | $2,780 | 3.35% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 83 | $14,505,000 | $174,759 | $2,930 | 3.16% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 73 | $14,045,000 | $192,397 | $2,713 | 3.16% |
| Crawfordsville, IN (FHA|USDA|VA) | 77 | $13,855,000 | $179,935 | $2,962 | 3.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 41 | $13,835,000 | $337,439 | $2,902 | 2.96% |
| Hillsdale, MI (FHA|USDA|VA) | 86 | $13,550,000 | $157,558 | $2,388 | 3.20% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 38 | $13,420,000 | $353,158 | $2,358 | 3.03% |
| Seymour, IN (FHA|USDA|VA) | 80 | $13,340,000 | $166,750 | $3,194 | 3.16% |
| Zanesville, OH (FHA|USDA|VA) | 78 | $12,890,000 | $165,256 | $3,175 | 3.37% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 77 | $12,775,000 | $165,909 | $2,191 | 2.90% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 56 | $12,410,000 | $221,607 | $5,710 | 3.14% |
| Peru, IN (FHA|USDA|VA) | 100 | $11,840,000 | $118,400 | $2,154 | 3.22% |
| KNOXVILLE, TN (FHA|USDA|VA) | 65 | $11,415,000 | $175,615 | $3,350 | 3.01% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 73 | $11,065,000 | $151,575 | $3,075 | 3.08% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 43 | $10,995,000 | $255,698 | $3,443 | 2.90% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 64 | $10,640,000 | $166,250 | $3,192 | 2.91% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 42 | $10,420,000 | $248,095 | $3,715 | 2.98% |
| Madisonville, KY (FHA|USDA|VA) | 79 | $10,295,000 | $130,316 | $2,200 | 3.26% |
| Holland, MI (FHA|USDA|VA) | 39 | $9,345,000 | $239,615 | $2,515 | 3.01% |
| Greensburg, IN (FHA|USDA|VA) | 52 | $9,210,000 | $177,115 | $2,864 | 3.26% |
| Vincennes, IN (FHA|USDA|VA) | 73 | $9,015,000 | $123,493 | $2,077 | 3.27% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 56 | $8,950,000 | $159,821 | $2,573 | 3.28% |
| Adrian, MI (FHA|USDA|VA) | 40 | $7,430,000 | $185,750 | $2,922 | 3.12% |
| FLINT, MI (FHA|USDA|VA) | 40 | $7,410,000 | $185,250 | $2,735 | 3.07% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 37 | $7,325,000 | $197,973 | $3,529 | 2.93% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 32 | $7,040,000 | $220,000 | $3,819 | 2.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 37 | $6,005,000 | $162,297 | $1,980 | 2.64% |
| Scottsburg, IN (FHA|USDA|VA) | 34 | $5,790,000 | $170,294 | $3,333 | 3.29% |
| MONROE, MI (FHA|USDA|VA) | 32 | $5,550,000 | $173,438 | $3,062 | 3.20% |
| North Vernon, IN (FHA|USDA|VA) | 32 | $5,310,000 | $165,938 | $2,340 | 3.17% |
| New Castle, IN (FHA|USDA|VA) | 40 | $5,280,000 | $132,000 | $2,321 | 3.19% |
| Coshocton, OH (FHA|USDA|VA) | 41 | $4,985,000 | $121,585 | $2,447 | 3.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $4,945,000 | $329,667 | $3,477 | 2.83% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 34 | $4,910,000 | $144,412 | $2,738 | 3.26% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 24 | $4,810,000 | $200,417 | $3,824 | 3.15% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 37 | $4,795,000 | $129,595 | $2,513 | 2.74% |
| Coldwater, MI (FHA|USDA|VA) | 28 | $4,700,000 | $167,857 | $1,965 | 3.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 25 | $4,625,000 | $185,000 | $2,977 | 2.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $4,345,000 | $334,231 | $3,825 | 2.96% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 29 | $4,255,000 | $146,724 | $3,114 | 2.87% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 33 | $4,225,000 | $128,030 | $2,664 | 3.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 29 | $4,185,000 | $144,310 | $3,708 | 2.78% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 26 | $4,120,000 | $158,462 | $3,370 | 2.80% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 18 | $4,030,000 | $223,889 | $2,487 | 2.67% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 28 | $3,960,000 | $141,429 | $2,622 | 2.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 20 | $3,830,000 | $191,500 | $2,760 | 2.91% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 20 | $3,540,000 | $177,000 | $4,204 | 2.86% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 18 | $3,530,000 | $196,111 | $3,966 | 3.41% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 26 | $3,510,000 | $135,000 | $2,452 | 2.87% |
| MUSKEGON, MI (FHA|USDA|VA) | 21 | $3,495,000 | $166,429 | $2,390 | 3.18% |
| Mount Vernon, OH (FHA|USDA|VA) | 19 | $3,435,000 | $180,789 | $3,634 | 3.15% |
| Richmond, IN (FHA|USDA|VA) | 24 | $3,370,000 | $140,417 | $2,575 | 3.21% |
| TULSA, OK (FHA|USDA|VA) | 23 | $3,365,000 | $146,304 | $4,168 | 2.82% |
| Ashtabula, OH (FHA|USDA|VA) | 24 | $3,330,000 | $138,750 | $3,582 | 3.28% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 26 | $3,200,000 | $123,077 | $1,795 | 2.73% |
| RICHMOND, VA (FHA|USDA|VA) | 17 | $3,105,000 | $182,647 | $2,299 | 2.74% |
| Glasgow, KY (FHA|USDA|VA) | 19 | $3,075,000 | $161,842 | $2,836 | 3.01% |
| Washington, IN (FHA|USDA|VA) | 18 | $3,030,000 | $168,333 | $3,537 | 3.15% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 18 | $3,010,000 | $167,222 | $2,735 | 2.69% |
| OCALA, FL (FHA|USDA|VA) | 20 | $2,880,000 | $144,000 | $3,359 | 2.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 11 | $2,865,000 | $260,455 | $3,666 | 3.03% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 17 | $2,845,000 | $167,353 | $3,290 | 2.90% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 23 | $2,775,000 | $120,652 | $3,523 | 2.94% |
| Marion, OH (FHA|USDA|VA) | 19 | $2,665,000 | $140,263 | $3,529 | 3.19% |
| Jackson, OH (FHA|USDA|VA) | 19 | $2,585,000 | $136,053 | $2,624 | 3.34% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 14 | $2,490,000 | $177,857 | $2,319 | 2.69% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 15 | $2,485,000 | $165,667 | $2,520 | 2.67% |
| Wilmington, OH (FHA|USDA|VA) | 11 | $2,475,000 | $225,000 | $2,627 | 3.06% |
| Wooster, OH (FHA|USDA|VA) | 15 | $2,465,000 | $164,333 | $2,462 | 3.08% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 11 | $2,445,000 | $222,273 | $4,464 | 3.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 16 | $2,420,000 | $151,250 | $2,681 | 2.87% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 19 | $2,395,000 | $126,053 | $2,725 | 2.78% |
| Athens, OH (FHA|USDA|VA) | 11 | $2,305,000 | $209,545 | $3,778 | 3.15% |
| Van Wert, OH (FHA|USDA|VA) | 16 | $2,280,000 | $142,500 | $2,956 | 3.40% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 16 | $2,270,000 | $141,875 | $3,366 | 3.23% |
| MANSFIELD, OH (FHA|USDA|VA) | 12 | $2,140,000 | $178,333 | $3,247 | 3.40% |
| Bardstown, KY (FHA|USDA|VA) | 11 | $2,075,000 | $188,636 | $2,723 | 2.90% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 13 | $2,015,000 | $155,000 | $3,305 | 2.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $2,010,000 | $143,571 | $3,057 | 2.87% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $3,043 | 2.88% |
| Traverse City, MI (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $3,214 | 3.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 16 | $1,950,000 | $121,875 | $2,315 | 2.91% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 12 | $1,910,000 | $159,167 | $2,494 | 2.74% |
| Salem, OH (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $4,214 | 3.17% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $1,840,000 | $131,429 | $3,157 | 2.91% |
| ASHEVILLE, NC (FHA|USDA|VA) | 11 | $1,775,000 | $161,364 | $3,324 | 3.02% |
| SAVANNAH, GA (FHA|USDA|VA) | 11 | $1,755,000 | $159,545 | $2,866 | 2.77% |
| THE VILLAGES, FL (FHA|USDA|VA) | 10 | $1,740,000 | $174,000 | $2,657 | 2.58% |
| Jasper, IN (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $2,423 | 3.03% |
| Chillicothe, OH (FHA|USDA|VA) | 10 | $1,670,000 | $167,000 | $3,082 | 3.06% |
| Urbana, OH (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $4,217 | 2.90% |
| Central City, KY (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $3,086 | 3.33% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 11 | $1,575,000 | $143,182 | $4,532 | 2.93% |
| Bellefontaine, OH (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $4,001 | 3.09% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $2,759 | 2.70% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $3,713 | 2.60% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 9 | $1,545,000 | $171,667 | $2,835 | 2.61% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $1,540,000 | $154,000 | $2,921 | 3.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $3,568 | 2.95% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $5,741 | 3.15% |
| Mayfield, KY (FHA|USDA|VA) | 11 | $1,505,000 | $136,818 | $3,258 | 3.00% |
| LIMA, OH (FHA|USDA|VA) | 8 | $1,480,000 | $185,000 | $3,841 | 3.11% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $2,993 | 3.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 11 | $1,425,000 | $129,545 | $2,955 | 2.48% |
| COLUMBIA, SC (FHA|USDA|VA) | 11 | $1,405,000 | $127,727 | $3,113 | 2.80% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $5,840 | 3.54% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 10 | $1,380,000 | $138,000 | $2,629 | 3.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $2,481 | 2.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $2,716 | 3.11% |
| Cambridge, OH (FHA|USDA|VA) | 8 | $1,330,000 | $166,250 | $2,967 | 3.27% |
| Defiance, OH (FHA|USDA|VA) | 9 | $1,315,000 | $146,111 | $2,643 | 3.10% |
| Marietta, OH (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $4,207 | 3.33% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $3,479 | 2.98% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $3,260 | 3.34% |
| Connersville, IN (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $3,291 | 3.36% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $2,999 | 2.75% |
| Richmond-Berea, KY (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,256 | 2.94% |
| SAGINAW, MI (FHA|USDA|VA) | 9 | $1,095,000 | $121,667 | $1,946 | 3.43% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $3,129 | 2.79% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $2,700 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $3,224 | 2.67% |
| Findlay, OH (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $3,217 | 3.27% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,831 | 3.00% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $2,161 | 3.15% |
| JACKSON, MS (FHA|USDA|VA) | 8 | $1,010,000 | $126,250 | $2,450 | 2.70% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 9 | $1,005,000 | $111,667 | $2,298 | 2.97% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,079 | 2.79% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $4,586 | 3.31% |
| Ashland, OH (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $2,900 | 3.03% |
| Washington Court House, OH (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $2,694 | 2.85% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $4,184 | 3.05% |
| Whitewater, WI (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $2,722 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,022 | 2.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $2,547 | 2.71% |
| Greenville, OH (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $3,133 | 3.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $2,437 | 3.03% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $2,100 | 2.72% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $4,175 | 3.10% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $2,336 | 2.70% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 8 | $830,000 | $103,750 | $2,784 | 2.89% |
| BEND, OR (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,553 | 3.19% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,391 | 2.81% |
| Fremont, OH (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $3,832 | 3.28% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $2,250 | 2.86% |
| Lebanon, NH-VT (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $2,509 | 2.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $1,224 | 2.66% |
| MADISON, WI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,468 | 2.94% |
| JONESBORO, AR (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $2,639 | 2.73% |
| Paducah, KY-IL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,758 | 3.09% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $2,106 | 2.96% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 8 | $710,000 | $88,750 | $2,486 | 3.45% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $2,392 | 2.73% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $2,464 | 3.04% |
| Effingham, IL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $2,157 | 3.09% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $2,299 | 2.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,346 | 3.13% |
| Albemarle, NC (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,321 | 3.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $2,569 | 2.94% |
| Danville, KY (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,076 | 2.63% |
| WHEELING, WV-OH (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,922 | 3.21% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 7 | $615,000 | $87,857 | $1,937 | 3.09% |
| Crossville, TN (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $1,958 | 2.77% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $600,000 | $100,000 | $2,150 | 2.56% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $1,768 | 2.44% |
| DOVER, DE (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,364 | 2.56% |
| LAWTON, OK (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $3,495 | 2.78% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $2,592 | 2.93% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,186 | 3.19% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $1,882 | 2.81% |
| Seneca, SC (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $2,585 | 2.59% |
| Cookeville, TN (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,692 | 3.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,647 | 3.63% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $2,670 | 2.90% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,751 | 2.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,199 | 2.13% |
| Maysville, KY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,632 | 3.31% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $913 | 3.06% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 2.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $4,452 | 3.16% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,697 | 3.47% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,195 | 2.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,631 | 3.08% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,071 | 3.08% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,779 | 3.00% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,868 | 3.06% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,473 | 2.47% |
| JOPLIN, MO (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $2,411 | 2.83% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,030 | 2.78% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $3,004 | 2.66% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,051 | 2.69% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $1,884 | 2.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,606 | 2.50% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,745 | 2.50% |
| Somerset, KY (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $2,664 | 2.91% |
| JACKSON, TN (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $2,725 | 3.06% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,175 | 2.81% |
| GREENVILLE, NC (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $2,259 | 2.69% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $2,736 | 3.03% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $3,478 | 2.59% |
| Wilson, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,454 | 3.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,117 | 2.88% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,533 | 3.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,272 | 3.31% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $3,795 | 3.48% |
| Forest City, NC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,861 | 2.67% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,716 | 2.83% |
| Mount Pleasant, MI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,347 | 3.13% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,674 | 3.56% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,581 | 2.71% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,695 | 3.25% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 5 | $375,000 | $75,000 | $2,916 | 3.78% |
| Waycross, GA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,527 | 2.96% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $2,510 | 3.13% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,066 | 3.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,940 | 3.13% |
| ERIE, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,592 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $2,609 | 3.00% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,193 | 2.92% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,293 | 2.63% |
| BAY CITY, MI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,092 | 2.54% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,116 | 2.94% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,113 | 2.75% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,517 | 3.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,779 | 3.13% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,989 | 2.94% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,565 | 2.79% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,469 | 2.96% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,080 | 2.88% |
| Newport, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,780 | 3.38% |
| RACINE, WI (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,565 | 3.04% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,333 | 2.92% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,146 | 2.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,580 | 2.83% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,892 | 2.71% |
| Murray, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,261 | 3.00% |
| Concord, NH (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,498 | 2.79% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,187 | 2.83% |
| Alpena, MI (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $3,080 | 2.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $1,627 | 2.54% |
| Searcy, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,905 | 2.63% |
| Torrington, CT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,261 | 1.88% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,355 | 2.75% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,891 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,280 | 2.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $1,980 | 2.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $4,387 | 3.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $2,649 | 3.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,150 | 2.63% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,832 | 2.63% |
| Houghton, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,515 | 3.13% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $2,334 | 2.58% |
| Dublin, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $500 | 3.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,318 | 2.88% |
| Russellville, AR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,753 | 2.50% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,701 | 2.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,982 | 3.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,728 | 3.06% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,313 | 2.25% |
| Paris, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,484 | 3.38% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,405 | 2.94% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,320 | 3.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,900 | 2.13% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,008 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,100 | 2.94% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,874 | 3.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,214 | 2.94% |
| Carroll, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,637 | 3.63% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,457 | 3.31% |
| Sidney, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,836 | 3.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,485 | 3.13% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,596 | 2.63% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,652 | 3.00% |
| ROME, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,672 | 2.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,220 | 2.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,041 | 3.25% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,071 | 2.88% |
| Harrison, AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,913 | 2.88% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,285 | 2.75% |
| Brownsville, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,014 | 2.63% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,601 | 2.19% |
| Bluefield, WV-VA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,640 | 2.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,425 | 2.75% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $650 | 3.38% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,517 | 2.63% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,613 | 2.81% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,568 | 2.56% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,732 | 3.06% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,297 | 2.56% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,488 | 2.63% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,406 | 2.56% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.00% |
| Boone, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,487 | 2.63% |
| AMES, IA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,903 | 3.19% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,260 | 2.88% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,308 | 2.94% |
| McAlester, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,712 | 2.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,318 | 3.13% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $200 | 2.88% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $480 | 3.13% |
| Mason City, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,632 | 3.50% |
| Burlington, IA-IL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,680 | 2.88% |
| Austin, MN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,146 | 2.94% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,612 | 2.75% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,578 | 3.13% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,482 | 3.00% |
| London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,864 | 2.75% |
| Rolla, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,325 | 3.13% |
| Marshall, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,129 | 2.88% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,070 | 2.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,254 | 3.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,650 | 2.75% |
| Brevard, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,949 | 2.63% |
| DALTON, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,178 | 2.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,714 | 3.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,970 | 2.38% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,474 | 2.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,900 | 2.38% |
| Emporia, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,527 | 2.75% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,145 | 2.88% |
| Paragould, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,303 | 2.75% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,211 | 3.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,456 | 2.88% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,859 | 3.38% |
| Sanford, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,139 | 3.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,822 | 2.38% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,093 | 2.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,845 | 2.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,605 | 2.50% |
| Greenville, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,675 | 3.38% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,405 | 2.25% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,692 | 2.75% |
| Guymon, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,048 | 3.13% |
| New Castle, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,124 | 2.75% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,900 | 2.63% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.88% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,900 | 2.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,938 | 3.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,163 | 2.50% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,010 | 2.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,512 | 2.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,361 | 3.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,826 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,950 | 3.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,295 | 2.13% |
| Duncan, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,283 | 2.63% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,725 | 2.75% |
| West Plains, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,605 | 2.75% |
| Marion, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,812 | 3.13% |
| Winfield, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,500 | 3.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,583 | 2.88% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,717 | 2.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,679 | 3.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,725 | 2.63% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,116 | 3.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,393 | 2.75% |
| READING, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,044 | 2.38% |
| Kinston, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,626 | 2.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,475 | 2.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.88% |
| Oxford, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,155 | 2.75% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,630 | 3.00% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,065 | 2.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,693 | 3.25% |
| Summerville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,366 | 3.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,310 | 3.38% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,891 | 2.88% |
| Berlin, NH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,830 | 3.38% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,727 | 2.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,925 | 2.75% |
| Union City, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,776 | 3.38% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,660 | 2.63% |
| Durant, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,170 | 2.38% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,963 | 3.25% |
| Selma, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,512 | 2.88% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,285 | 3.50% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,460 | 2.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,895 | 2.88% |
| Douglas, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,919 | 2.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,846 | 2.25% |
| Keene, NH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,750 | 2.25% |
| Jesup, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,050 | 2.25% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,665 | 3.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,399 | 2.50% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,520 | 2.13% |
| Willmar, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,080 | 2.38% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,821 | 3.38% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,055 | 2.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,276 | 2.75% |
| Garden City, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,545 | 3.13% |
| Somerset, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,986 | 2.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,895 | 2.38% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,485 | 2.50% |
| Clinton, IA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $4,100 | 3.25% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,774 | 2.88% |
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Product Mix
For 2021, Ruoff Mortgage Company's most frequently originated type of loan was Conventional, with 21,795 originations. Their 2nd most popular type was FHA, with 5,107 originations.
Loan Reason
For 2021, Ruoff Mortgage Company's most frequently cited loan purpose was Home Purchase, with 17,579 originations. The 2nd most popular reason was Refi, with 6,318 originations.
Loan Duration/Length
For 2021, Ruoff Mortgage Company's most frequently cited loan duration was 30 Year, with 24,384 originations. The 2nd most popular length was 15 Year, with 3,214 originations.
Origination Fees/Closing Costs
Ruoff Mortgage Company's average total fees were $2,975, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 17,487 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 17,340 | $3,228,920,000 | $186,212 |
| 2.5-3% | 8,788 | $1,707,810,000 | $194,334 |
| <2.5% | 2,529 | $432,225,000 | $170,907 |
| 4-5% | 637 | $86,095,000 | $135,157 |
During 2021, Ruoff Mortgage Company's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 17,340 originations.
Loan Sizing
2021 saw Ruoff Mortgage Company place emphasis on $100k-200k loans with 14,565 originations, totaling $2,140,695,000 in origination value.
Applicant Income
Ruoff Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 8,671 originations. The second most popular income band? $50k-75k, with 8,555 originations.
Applicant Debt to Income Ratio
Ruoff Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 6,860 originations. The next most common DTI ratio? 30-36%, with 5,861 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.52%
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 origination73.76%
Ruoff Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 29,294 | $5,455,050,000 | $186,217 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 29,294 | $5,455,050,000 | $186,217 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| RUOFF MORTGAGE | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
| RUOFF MORTGAGE | Conventional home mortgage | Closing on a mortgage | 2 | 22.2% |
| RUOFF MORTGAGE | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 11.1% |
| RUOFF MORTGAGE | Conventional home mortgage | Trouble during payment process | 1 | 11.1% |
| RUOFF MORTGAGE | FHA mortgage | Trouble during payment process | 1 | 11.1% |
| RUOFF MORTGAGE | Other type of mortgage | Closing on a mortgage | 1 | 11.1% |
| RUOFF MORTGAGE | Other type of mortgage | Trouble during payment process | 1 | 11.1% |
| RUOFF MORTGAGE | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |