# RUOFF MORTGAGE COMPANY, INC.

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


> **📋 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


RUOFF MORTGAGE COMPANY, INC. is a independent mortgage company, headquartered in Indianapolis, IN, serving borrowers across 29 states, with 9,214 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GSCUJKJINRJ980
- **Headquarters:** Indianapolis, IN
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, ME, MI, MN, MO, MS, NC, NE, NH, NJ, OH, OK, PA, SC, TN, TX, VA, WI
- **Markets (MSAs):** 47
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.403%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,973
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,214
- **Dollar Volume:** $2.1 billion
- **Applications Received:** 13,526
- **Market Share:** 26.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,429
- **Average Borrower Income:** $98,096
- **Average Property Value:** $275,237

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 89/100 | 6,227 | +0.346% | $1,910 | Exceptional 🤩 |
| FHA | 89/100 | 2,247 | +0.790% | $2,415 | Exceptional 🤩 |
| VA | 84/100 | 499 | +0.010% | $1,700 | Exceptional 🤩 |
| USDA | 92/100 | 235 | +0.523% | $900 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,478 loans, Score: 90/100 (Exceptional)
- Refinance: 749 loans, Score: 83/100 (Exceptional)

**FHA:**
- Purchase: 1,964 loans, Score: 89/100 (Exceptional)
- Refinance: 283 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 462 loans, Score: 84/100 (Exceptional)
- Refinance: 37 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 235 loans, Score: 92/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 90/100 | 8,145 | $1.9B | +0.415% | Exceptional 🤩 |
| Refinance | 83/100 | 1,069 | $200M | +0.339% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 5,510 | 6.05% | 100/100 |
| OH | 1,958 | 1.45% | 87/100 |
| KY | 685 | 1.47% | 84/100 |
| MI | 615 | 0.54% | 75/100 |
| FL | 84 | 0.03% | 49/100 |
| IL | 68 | 0.05% | 53/100 |
| GA | 63 | 0.05% | 51/100 |
| AL | 46 | 0.08% | 52/100 |
| TN | 26 | 0.03% | 43/100 |
| NC | 25 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 2,239 | 83/100 |
| Indianapolis | IN | 1,232 | 94/100 |
| Fort Wayne, IN | IN | 873 | 95/100 |
| Cleveland, OH | OH | 469 | 83/100 |
| Columbus, OH | OH | 446 | 84/100 |
| Louisville/Jefferson County, KY | KY-IN | 382 | 84/100 |
| Cincinnati, OH |  | 373 | 82/100 |
| South Bend | IN-MI | 372 | 94/100 |
| Bloomington, IN | IN | 246 | 93/100 |
| Muncie, IN | IN | 242 | 100/100 |
| Akron, OH | OH | 239 | 84/100 |
| Terre Haute, IN | IN | 239 | 96/100 |
| Lafayette | IN | 169 | 82/100 |
| Elkhart | IN | 167 | 89/100 |
| Lake County | IN | 143 | 79/100 |

## Where This Lender Ranks

RUOFF MORTGAGE COMPANY, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Indiana for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Indianapolis for USDA Loans
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Indianapolis for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Fort Wayne, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Fort Wayne, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Fort Wayne, IN for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Fort Wayne, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Cleveland, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in South Bend Mortgage Companies
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in South Bend for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Bloomington, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Bloomington, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Bloomington, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Muncie, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Muncie, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Akron, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Terre Haute, IN Mortgage Companies
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Terre Haute, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Terre Haute, IN for USDA Loans
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Terre Haute, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does RUOFF MORTGAGE COMPANY, INC. offer?

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

### Where does RUOFF MORTGAGE COMPANY, INC. offer mortgages?

RUOFF MORTGAGE COMPANY, INC. offers mortgages in 29 states: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, ME, MI, MN, MO, MS, NC, NE, NH, NJ, OH, OK, PA, SC, TN, TX, VA, WI.

### How competitive are RUOFF MORTGAGE COMPANY, INC.'s mortgage rates?

RUOFF MORTGAGE COMPANY, INC. has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.403% above market average.

### What type of lender is RUOFF MORTGAGE COMPANY, INC.?

RUOFF MORTGAGE COMPANY, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Indianapolis, IN.

### What is RUOFF MORTGAGE COMPANY, INC.'s loan approval success rate?

RUOFF MORTGAGE COMPANY, INC. has a pull-through score of 75/100 (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/ruoff-mortgage-company

### How to Cite

> "RUOFF MORTGAGE COMPANY, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ruoff-mortgage-company

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