RUOFF MORTGAGE COMPANY, INC. closing costs and rates (2024)
In 2024, RUOFF MORTGAGE COMPANY, INC. originated 8,779 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $3,557. That ranks #52 nationally by origination volume. For total closing costs among lenders with 500+ originations, RUOFF MORTGAGE COMPANY, INC. ranks #77. That is $3,184 below the national median of $6,741. RUOFF MORTGAGE COMPANY, INC. is most active in Indiana with 5,394 originations there.
Purchase Originations
8,779
Ranked #52 nationally
Median Total Costs
$3,557
−47.2% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,515
Median Lender Credits
$42
Cost Rank (500+ vol.)
#77
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,765 | 6.750% | $3,109 | $1,515 |
| fha | 2,245 | 6.750% | $5,642 | $251 |
| va | 517 | 6.750% | $3,850 | $0 |
| usda | 252 | 6.750% | $2,535 | $0 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 5,394 | 6.750% | $3,152 | #1 |
| Ohio | 1,904 | 6.750% | $4,475 | #13 |
| Kentucky | 669 | 6.750% | $4,069 | #10 |
| Michigan | 591 | 6.625% | $3,840 | #31 |
| Illinois | 75 | 6.750% | $3,455 | #166 |
| Alabama | 40 | 6.625% | $5,131 | — |
| Georgia | 37 | 6.625% | $4,197 | — |
| Florida | 30 | 6.625% | $4,769 | — |
| Tennessee | 10 | 6.812% | $2,604 | — |
| Colorado | 5 | 7.125% | $3,194 | — |
| South Carolina | 5 | 6.375% | $3,147 | — |
| Pennsylvania | 4 | 6.562% | $5,982 | — |
| Texas | 4 | 6.875% | $3,592 | — |
| North Carolina | 3 | 7.125% | $2,680 | — |
| Virginia | 2 | 6.375% | $7,620 | — |
| Arkansas | 1 | 6.750% | $9,173 | — |
| Maine | 1 | 6.375% | $6,470 | — |
| Missouri | 1 | 6.625% | $4,033 | — |
| New Hampshire | 1 | 6.125% | $3,214 | — |
| New Jersey | 1 | 6.500% | $4,216 | — |
| West Virginia | 1 | 6.750% | $2,622 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,826 | 6.750% | — | 174 | −$731 | |
| 2 | $2,827 | 6.750% | — | 125 | −$730 | |
| 3 | $2,877 | 6.875% | — | 302 | −$680 | |
| 4 | $2,877 | 6.750% | — | 162 | −$680 | |
| 5 | $3,026 | 6.750% | — | 134 | −$531 | |
| 6 | $3,064 | 6.750% | — | 187 | −$493 | |
| 7 | $3,070 | 6.938% | — | 242 | −$487 | |
| 8 | $3,217 | 6.750% | — | 198 | −$340 | |
| 9 | $3,268 | 6.750% | — | 715 | −$289 | |
| 10 | $3,274 | 6.750% | — | 446 | −$283 | |
| 11 | $3,383 | 6.625% | — | 171 | −$174 | |
| 12 | $3,614 | 6.750% | — | 172 | +$57 | |
| 13 | $3,845 | 6.750% | — | 122 | +$288 | |
| 14 | $3,934 | 6.750% | — | 134 | +$377 | |
| 15 | $4,014 | 6.625% | — | 243 | +$457 | |
| 16 | $4,120 | 6.875% | — | 125 | +$563 | |
| 17 | $4,248 | 6.875% | — | 195 | +$691 | |
| 18 | $4,397 | 6.750% | — | 186 | +$840 | |
| 19 | $4,545 | 6.750% | — | 124 | +$988 | |
| 20 | $4,784 | 6.625% | — | 241 | +$1,227 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.