Ruoff Mortgage Company, Inc. mortgage approval rate & lending review
Ruoff Mortgage Company, Inc. decided 23,099 mortgage applications and funded 19,259 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ruoff Mortgage Company, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ruoff.com.
Ruoff Mortgage Company, Inc. at a glance
Approval is 7.2 points above the 85.3% 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% | 18,241 / 18,977 | 91% | $205K | 16,543 |
| Cash-out refinance | 65% | 1,389 / 2,152 | 87% | $155K | 1,212 |
| Refinance | 84% | 732 / 869 | 88% | $215K | 642 |
| Investment property purchase | 94% | 846 / 902 | 86% | $125K | 727 |
| Investment cash-out refinance | 80% | 140 / 174 | 86% | $115K | 120 |
| Investment refinance | 84% | 21 / 25 | 71% | $95K | 15 |
Ruoff Mortgage Company, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 95% | $205K | 12,620 | 10,767 |
| Ohio | 94% | $215K | 6,202 | 5,286 |
| Michigan | 92% | $175K | 1,689 | 1,411 |
| Kentucky | 93% | $235K | 1,105 | 958 |
| Florida | 66% | $255K | 433 | 237 |
| Georgia | 76% | $215K | 192 | 130 |
| North Carolina | 56% | $85K | 122 | 52 |
| Pennsylvania | 47% | $105K | 116 | 43 |
| South Carolina | 66% | $125K | 91 | 46 |
| Alabama | 74% | $275K | 88 | 57 |
| Tennessee | 61% | $295K | 79 | 45 |
| Illinois | 92% | $365K | 53 | 46 |
| Missouri | 50% | $95K | 46 | 18 |
| Texas | 92% | $385K | 39 | 31 |
| Arkansas | 71% | $315K | 35 | 21 |
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 Ruoff Mortgage Company, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allen County, IN | Mortgage lenders | 96% | 2,532 | 2,182 |
| Marion County, IN | Mortgage lenders | 95% | 1,438 | 1,228 |
| St. Joseph County, IN | Mortgage lenders | 96% | 1,062 | 932 |
| Delaware County, IN | Mortgage lenders | 98% | 746 | 657 |
| Franklin County, OH | Mortgage lenders | 95% | 776 | 657 |
| Cuyahoga County, OH | Mortgage lenders | 93% | 741 | 641 |
| Elkhart County, IN | Mortgage lenders | 96% | 695 | 613 |
| Monroe County, IN | Mortgage lenders | 96% | 707 | 609 |
| Hamilton County, IN | Mortgage lenders | 98% | 663 | 590 |
| Jefferson County, KY | Mortgage lenders | 98% | 596 | 552 |
| Summit County, OH | Mortgage lenders | 94% | 619 | 532 |
| Vigo County, IN | Mortgage lenders | 97% | 590 | 515 |
The county markets where Ruoff Mortgage Company, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Ruoff Mortgage Company, Inc.
What is Ruoff Mortgage Company, Inc.'s mortgage approval rate?
Ruoff Mortgage Company, Inc. approved 92.5% of the 23,099 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Ruoff Mortgage Company, Inc. offers?
Borrowers accepted 90% of the loans Ruoff Mortgage Company, Inc. 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 Ruoff Mortgage Company, Inc. make?
The typical home purchase mortgage loan Ruoff Mortgage Company, Inc. made was $205K; across all loan types its typical loan ran from $95K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ruoff Mortgage Company, Inc. lend?
Ruoff Mortgage Company, Inc. decided applications in 33 of the states Fat Boy Data covers, most of them in Indiana, Ohio and Michigan.
Can I apply to Ruoff Mortgage Company, Inc. directly?
Yes. Ruoff Mortgage Company, Inc. reports as a direct lender that takes applications from borrowers. Its website is ruoff.com.
Does this page show Ruoff Mortgage Company, Inc.'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 Ruoff Mortgage Company, Inc. treats applications, then get a rate quote from the lender.