Homebuyers in Shelby County County who chose RUOFF MORTGAGE COMPANY, INC. paid $3,556 less in closing costs than the county median.
County Median Costs
$4,868
+24.8% vs Indiana ($3,902)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,706
Purchase Originations
531
Denial Rate
6.3%
vs Indiana avg (7.8%)
vs Indiana Median
24.8% above
$966
vs National Median
27.1% below
$-1,812
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,312 | 6.750% | $0 | 15 | −$2,181 | |
| 2 | $2,177 | 5.495% | $126 | 20 | −$1,316 | |
| 3 | $2,373 | 6.625% | $795 | 12 | −$1,120 | |
| 4 | $2,523 | 6.433% | $976 | 10 | −$970 | |
| 5 | $2,894 | 6.875% | $1,435 | 11 | −$599 | |
| 6 | $2,929 | 6.374% | $1,317 | 10 | −$564 | |
| 7 | $3,526 | 5.625% | $1,495 | 11 | +$33 | |
| 8 | $3,647 | 6.500% | $1,745 | 21 | +$154 | |
| 9 | $4,410 | 6.625% | $2,859 | 48 | +$917 | |
| 10 | $5,048 | 5.875% | $3,218 | 12 | +$1,556 |
Includes lenders with 10+ purchase originations in Shelby County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Indiana → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.