What loan types does Ruoff Mortgage Company offer?

Ruoff Mortgage Company offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Ruoff Mortgage Company offer mortgages?

Ruoff Mortgage Company 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's mortgage rates?

Ruoff Mortgage Company has an overall pricing score of 42.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ruoff Mortgage Company?

Ruoff Mortgage Company is a Independent Mortgage Company headquartered in Indianapolis, IN.

Unclaimed

Ruoff Mortgage Company

Independent Mortgage Company•Indianapolis, INHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Ruoff Mortgage Company — 9.2k loans across 14k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Near-National · 46 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Ruoff Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+40.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 47 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	Strong	Exceptional	Sound	Strong	6,227	67.6%	+0.346%Above	$1,910Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	2,247	24.4%	+0.790%Above	$2,415Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	499	5.4%	+0.010%Above	$1,700Fees
USDA Loans	Strong	Exceptional	Strong	Strong	235	2.6%	+0.523%Above	$900Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume6,227

Mix67.6%

Spread

+0.346%Above

Fees

$1,910Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,247

Mix24.4%

Spread

+0.790%Above

Fees

$2,415Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume499

Mix5.4%

Spread

+0.010%Above

Fees

$1,700Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume235

Mix2.6%

Spread

+0.523%Above

Fees

$900Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	8,145	88.4%	+0.415%Above	$1,840Fees
Refinance	Sound	Exceptional	Sound	Sound	1,069	11.6%	+0.339%Above	$2,683Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume8,145

Mix88.4%

Spread

+0.415%Above

Fees

$1,840Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Sound

Pull Through

Sound

Volume1,069

Mix11.6%

Spread

+0.339%Above

Fees

$2,683Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

9,214

Applications

13,526

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.403%

vs. market APOR

Avg Net Fees

$1,973

Origination − Credits

Pullthrough Rate

68.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$225,429

Avg Borrower Income

$98,096

Avg Property Value

$275,237

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast4

MENHNJPA

Midwest10

IAILINKSMIMNMONEOHWI

South12

ALARFLGAKYMSNCOKSCTNTXVA

West3

AZCACO

Top Metro Areas by Place Specialization Score

1© Unknown · Public domain

Muncie, INMetro

Volume 242Mix 2.63% of portfolio

100/100

Exceptional

2© Derek Jensen (Tysto) · Public domain

Kokomo, INMetro

Volume 132Mix 1.43% of portfolio

100/100

Exceptional

3© Huwmanbeing (original), Yassie (jpeg conversion) · Public domain

Terre Haute, INMetro

Volume 239Mix 2.59% of portfolio

96/100

Exceptional

4© WeaponizingArchitecture · CC BY-SA 4.0

Fort Wayne, INMetro

Volume 873Mix 9.47% of portfolio

95/100

Exceptional

Indianapolis, INMetro

Volume 1,232Mix 13.37% of portfolio

94/100

Exceptional

South Bend, IN-MIMetro

Volume 372Mix 4.04% of portfolio

94/100

Exceptional

Bloomington, INMetro

Volume 246Mix 2.67% of portfolio

93/100

Exceptional

Elkhart, INMetro

Volume 167Mix 1.81% of portfolio

89/100

Exceptional

Jackson, MIMetro

Volume 101Mix 1.10% of portfolio

86/100

Exceptional

Louisville/Jefferson County, KY, KY-INMetro

Volume 382Mix 4.15% of portfolio

84/100

Exceptional

Showing 10 of 46 metro areas

Top States by Place Specialization Score

IndianaState

Volume 5,510Mix 59.80% of portfolio

100/100

Exceptional

OhioState

Volume 1,958Mix 21.25% of portfolio

87/100

Exceptional

KentuckyState

Volume 685Mix 7.43% of portfolio

84/100

Exceptional

MichiganState

Volume 615Mix 6.67% of portfolio

75/100

Strong

IllinoisState

Volume 68Mix 0.74% of portfolio

53/100

Sound

AlabamaState

Volume 46Mix 0.50% of portfolio

52/100

Sound

GeorgiaState

Volume 63Mix 0.68% of portfolio

51/100

Sound

FloridaState

Volume 84Mix 0.91% of portfolio

49/100

Sound

TennesseeState

Volume 26Mix 0.28% of portfolio

43/100

Sound

South CarolinaState

Volume 20Mix 0.22% of portfolio

42/100

Sound

Showing 10 of 15 states

How 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.

Looking for a different lender?

Are you the owner of Ruoff Mortgage Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.