# ROSS MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/ross-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ROSS MORTGAGE CORPORATION is a independent mortgage company, headquartered in TROY, MI, serving borrowers across 14 states, with 927 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005NU5BA00C1N451
- **Headquarters:** TROY, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, AR, FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, TX, VA
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.415%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,679
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 927
- **Dollar Volume:** $251 million
- **Applications Received:** 1,205
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $270,437
- **Average Borrower Income:** $119,110
- **Average Property Value:** $331,570

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 583 | +0.381% | $2,685 | Strong 😀 |
| FHA | 71/100 | 215 | +0.850% | $2,860 | Strong 😀 |
| VA | 72/100 | 116 | -0.072% | $2,395 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 516 loans, Score: 63/100 (Strong)
- Refinance: 67 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 190 loans, Score: 71/100 (Strong)
- Refinance: 25 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 104 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 822 | $222M | +0.461% | Strong 😀 |
| Refinance | 54/100 | 105 | $29M | +0.186% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 597 | 0.53% | 81/100 |
| TN | 152 | 0.17% | 69/100 |
| VA | 70 | 0.06% | 60/100 |
| KY | 42 | 0.09% | 56/100 |
| FL | 23 | 0.01% | 41/100 |
| IL | 16 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 286 | 79/100 |
| Detroit | MI | 177 | 78/100 |
| Non |  | 107 | 52/100 |
| Flint, MI | MI | 51 | 67/100 |
| Kingsport | TN-VA | 48 | 64/100 |
| Nashville | TN | 34 | 55/100 |
| Johnson City, TN | TN | 31 | 59/100 |
| Charlottesville, VA | VA | 21 | 56/100 |
| Bowling Green, KY | KY | 13 | 45/100 |
| Chicago | IL | 13 | 41/100 |
| Grand Rapids | MI | 12 | 42/100 |
| Monroe, MI | MI | 10 | 42/100 |

## Where This Lender Ranks

ROSS MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Bowling Green, KY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in Johnson City, TN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Johnson City, TN Mortgage Companies
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Kingsport Mortgage Companies
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Johnson City, TN for VA Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Bowling Green, KY for VA Loans
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Flint, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Kingsport for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Johnson City, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Charlottesville, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#15** in Flint, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Johnson City, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Detroit for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in Kingsport for FHA Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Charlottesville, VA for VA Loans
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Michigan for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#17** in Kingsport
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders)
- 🏆 **#17** in Johnson City, TN
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders)
- 🏆 **#18** in Michigan Mortgage Companies
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Warren for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does ROSS MORTGAGE CORPORATION offer?

ROSS MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ROSS MORTGAGE CORPORATION offer mortgages?

ROSS MORTGAGE CORPORATION offers mortgages in 14 states: AL, AR, FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, TX, VA.

### How competitive are ROSS MORTGAGE CORPORATION's mortgage rates?

ROSS MORTGAGE CORPORATION has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.415% above market average.

### What type of lender is ROSS MORTGAGE CORPORATION?

ROSS MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in TROY, MI.

### What is ROSS MORTGAGE CORPORATION's loan approval success rate?

ROSS MORTGAGE CORPORATION has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ross-mortgage

### How to Cite

> "ROSS MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ross-mortgage

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