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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
367 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
FHA
71 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
VA
32 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
424 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
Refinance
50 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5
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
3Full-year 2024 · HMDALoans originated
< 100100+None
Midwest3
IAILWI
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.