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RUOFF MORTGAGE COMPANY, INC.
Independent Mortgage Company|Indianapolis, IN|Near-National
Loans Originated
9,214
Applications
13,526
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.403%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,973
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.1%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
RUOFF MORTGAGE COMPANY, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Near-National · 47 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$225,429
Average Borrower Income
$98,096
Average Property Value
$275,237
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% | $1,910 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 2,247 | 24.4% | +0.790% | $2,415 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 499 | 5.4% | +0.010% | $1,700 |
USDA Loans | Strong | Exceptional | Strong | Strong | 235 | 2.6% | +0.523% | $900 |
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% | $1,840 |
Refinance | Strong | Exceptional | Sound | Sound | 1,069 | 11.6% | +0.339% | $2,683 |
Geographic Coverage
Metro Areas
46
States Served
29
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Muncie, IN, INMSA
Volume: 242Mix: 2.63%
Place Specialization
Exceptional
2
Kokomo, IN, INMSA
Volume: 132Mix: 1.43%
Place Specialization
Exceptional
3
Terre Haute, IN, INMSA
Volume: 239Mix: 2.59%
Place Specialization
Exceptional
4
Fort Wayne, IN, INMSA
Volume: 873Mix: 9.47%
Place Specialization
Exceptional
5
Indianapolis, INMSA
Volume: 1,232Mix: 13.37%
Place Specialization
Exceptional
6
South Bend, IN-MIMSA
Volume: 372Mix: 4.04%
Place Specialization
Exceptional
7
Bloomington, IN, INMSA
Volume: 246Mix: 2.67%
Place Specialization
Exceptional
8
Elkhart, INMSA
Volume: 167Mix: 1.81%
Place Specialization
Exceptional
9
Jackson, MI, MIMSA
Volume: 101Mix: 1.10%
Place Specialization
Exceptional
10
Louisville/Jefferson County, KY, KY-INMSA
Volume: 382Mix: 4.15%
Place Specialization
Exceptional
Showing 10 of 46 metro areas
Top States by Place Specialization Score
1
INState
Volume: 5,510Mix: 59.80%
Place Specialization
Exceptional
2
OHState
Volume: 1,958Mix: 21.25%
Place Specialization
Exceptional
3
KYState
Volume: 685Mix: 7.43%
Place Specialization
Exceptional
4
MIState
Volume: 615Mix: 6.67%
Place Specialization
Strong
5
ILState
Volume: 68Mix: 0.74%
Place Specialization
Sound
6
ALState
Volume: 46Mix: 0.50%
Place Specialization
Sound
7
GAState
Volume: 63Mix: 0.68%
Place Specialization
Sound
8
FLState
Volume: 84Mix: 0.91%
Place Specialization
Sound
9
TNState
Volume: 26Mix: 0.28%
Place Specialization
Sound
10
SCState
Volume: 20Mix: 0.22%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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