# RUHL MORTGAGE, LLC

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


RUHL MORTGAGE, LLC is a independent mortgage company, headquartered in DAVENPORT, IA, serving borrowers across 3 states, with 474 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300HSB39FXRFMW540
- **Headquarters:** DAVENPORT, IA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IA, IL, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.022%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $866
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 474
- **Dollar Volume:** $102 million
- **Applications Received:** 559
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $214,177
- **Average Borrower Income:** $107,120
- **Average Property Value:** $267,363

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **FHA Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 367 | -0.045% | $862 | Strong 😀 |
| FHA | 69/100 | 71 | +0.308% | $694 | Strong 😀 |
| VA | 68/100 | 32 | -0.401% | $1,194 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 321 loans, Score: 69/100 (Strong)
- Refinance: 46 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 69 loans, Score: 68/100 (Strong)

**VA:**
- Purchase: 30 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 424 | $88M | -0.001% | Strong 😀 |
| Refinance | 61/100 | 50 | $13M | -0.192% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 344 | 0.97% | 79/100 |
| IL | 129 | 0.10% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 331 | 96/100 |
| Non |  | 111 | 56/100 |
| Dubuque, IA | IA | 11 | 44/100 |

## Where This Lender Ranks

RUHL MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Davenport Mortgage Companies
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Davenport for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Davenport for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Davenport for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Iowa for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Iowa for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Davenport for FHA Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Davenport for VA Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Dubuque, IA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Iowa Mortgage Companies
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Iowa for FHA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🥉 **#3** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Iowa for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Dubuque, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)
- 🏆 **#11** in Iowa for Conventional Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Iowa for VA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does RUHL MORTGAGE, LLC offer?

RUHL MORTGAGE, LLC 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 RUHL MORTGAGE, LLC offer mortgages?

RUHL MORTGAGE, LLC offers mortgages in 3 states: IA, IL, WI.

### How competitive are RUHL MORTGAGE, LLC's mortgage rates?

RUHL MORTGAGE, LLC has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.022% below market average.

### What type of lender is RUHL MORTGAGE, LLC?

RUHL MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in DAVENPORT, IA.

### What is RUHL MORTGAGE, LLC's loan approval success rate?

RUHL MORTGAGE, LLC has a pull-through score of 80/100 (Exceptional). 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/ruhl-mortgage

### How to Cite

> "RUHL MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ruhl-mortgage

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