Ross Mortgage Corporation mortgage approval rate & lending review
Ross Mortgage Corporation decided 2,503 mortgage applications and funded 2,312 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ross Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to rossmortgage.com.
Ross Mortgage Corporation at a glance
Approval is 10.1 points above the 85.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,020 / 2,109 | 97% | $215K | 1,954 |
| Cash-out refinance | 91% | 135 / 148 | 95% | $215K | 128 |
| Refinance | 98% | 167 / 171 | 97% | $345K | 162 |
| Investment property purchase | 98% | 62 / 63 | 90% | $155K | 56 |
Ross Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 97% | $185K | 1,782 | 1,675 |
| Tennessee | 93% | $295K | 365 | 326 |
| Florida | 94% | $245K | 113 | 100 |
| Virginia | 98% | $375K | 62 | 55 |
| Illinois | 90% | $305K | 59 | 50 |
| Kentucky | 87% | $265K | 39 | 34 |
| South Carolina | 100% | $255K | 22 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ross Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Mortgage lenders | 96% | 468 | 434 |
| Oakland County, MI | Mortgage lenders | 98% | 405 | 390 |
| Genesee County, MI | Mortgage lenders | 97% | 193 | 180 |
| Macomb County, MI | Mortgage lenders | 97% | 185 | 176 |
| Sullivan County, TN | Mortgage lenders | 93% | 96 | 84 |
| St. Clair County, MI | Mortgage lenders | 94% | 83 | 75 |
| Washington County, TN | Mortgage lenders | 95% | 79 | 73 |
| Oakland County, MI | Refinance | 97% | 59 | 54 |
| Oakland County, MI | Cash-out refinance | 93% | 43 | 39 |
| Livingston County, MI | Mortgage lenders | 100% | 32 | 32 |
| Wayne County, MI | Refinance | 100% | 30 | 30 |
| Albemarle County, VA | Mortgage lenders | 100% | 31 | 28 |
The county markets where Ross Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Ross Mortgage Corporation
What is Ross Mortgage Corporation's mortgage approval rate?
Ross Mortgage Corporation approved 95.7% of the 2,503 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 85.6% national rate for the same mix of loan types.
How often do borrowers take the loan Ross Mortgage Corporation offers?
Borrowers accepted 96% of the loans Ross Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ross Mortgage Corporation make?
The typical home purchase mortgage loan Ross Mortgage Corporation made was $215K; across all loan types its typical loan ran from $155K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ross Mortgage Corporation lend?
Ross Mortgage Corporation decided applications in 15 of the states Fat Boy Data covers, most of them in Michigan, Tennessee and Florida.
Can I apply to Ross Mortgage Corporation directly?
Yes. Ross Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is rossmortgage.com.
Does this page show Ross Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ross Mortgage Corporation treats applications, then get a rate quote from the lender.