Ruoff Mortgage Company
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
6,227 loans · 0.35% above market
Exceptional
Top 20% of lenders
5/5
FHA
2,247 loans · 0.79% above market
Exceptional
Top 20% of lenders
5/5
VA
499 loans · 0.01% above market
Exceptional
Top 20% of lenders
5/5
USDA
235 loans · 0.52% above market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
8,145 loans · 0.41% above market
Exceptional
Top 10% of lenders
5/5
Refinance
1,069 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 47 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 | 6,227 | 67.6% | +0.346%Above | $1,910Fees | ||||
FHA Loans | 2,247 | 24.4% | +0.790%Above | $2,415Fees | ||||
VA Loans | 499 | 5.4% | +0.010%Above | $1,700Fees | ||||
USDA Loans | 235 | 2.6% | +0.523%Above | $900Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume6,227
Mix67.6%
Spread
+0.346%Above
Fees
$1,910Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,247
Mix24.4%
Spread
+0.790%Above
Fees
$2,415Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume499
Mix5.4%
Spread
+0.010%Above
Fees
$1,700Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
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 | 8,145 | 88.4% | +0.415%Above | $1,840Fees | ||||
Refinance | 1,069 | 11.6% | +0.339%Above | $2,683Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume8,145
Mix88.4%
Spread
+0.415%Above
Fees
$1,840Fees
Refinance
OverallSound
ProductExceptional
PricingSound
Pull ThroughSound
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
46
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 2020–5050–500500+None
Northeast4
MENHNJPA
Midwest10
IAILINKSMIMNMONEOHWI
South12
ALARFLGAKYMSNCOKSCTNTXVA
West3
AZCACO
Top Metro Areas by Place Specialization Score
Showing 10 of 46 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
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.