Ruhl Mortgage
We analyzed every closed loan from Ruhl Mortgage — 474 loans across 559 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts
Awards
Conventional
Champion
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 2.20 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Ruhl Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 2.2 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 367 | 77.4% | -0.045%Below | $862Fees | ||||
FHA Loans | 71 | 15.0% | +0.308%Above | $694Fees | ||||
VA Loans | 32 | 6.8% | -0.401%Below | $1,194Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume367
Mix77.4%
Spread
-0.045%Below
Fees
$862Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume71
Mix15.0%
Spread
+0.308%Above
Fees
$694Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume32
Mix6.8%
Spread
-0.401%Below
Fees
$1,194Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 424 | 89.5% | -0.001%Below | $944Fees | ||||
Refinance | 50 | 10.5% | -0.192%Below | $218Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume424
Mix89.5%
Spread
-0.001%Below
Fees
$944Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume50
Mix10.5%
Spread
-0.192%Below
Fees
$218Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
474
Applications
559
Volume
$101 million
Pricing & Closing
Avg Rate Spread
-0.022%
vs. market APOR
Avg Net Fees
$866
Origination − Credits
Pullthrough Rate
84.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$214,177
Avg Borrower Income
$107,120
Avg Property Value
$267,363
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Midwest3
IAILWI
Top Metro Areas by Place Specialization Score
Volume 331Mix 69.83% of portfolio
96/100
Exceptional
Volume 11Mix 2.32% of portfolio
44/100
SoundTop States by Place Specialization Score
1
IowaState
Volume 344Mix 72.57% of portfolio
79/100
Strong2
IllinoisState
Volume 129Mix 27.22% of portfolio
67/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.