Purchase Originations
8,254
Ranked #50 nationally
Median Total Costs
$3,623
−45.8% vs national ($6,680)
↑ $66 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,274
Median Lender Credits
$75
Cost Rank (500+ vol.)
#78
among lenders with 500+ originations
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,354 | 6.750% | $3,250 | $1,585 |
| fha | 2,228 | 6.750% | $5,605 | $0 |
| va | 432 | 6.750% | $3,178 | $0 |
| usda | 240 | 6.625% | $2,562 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 5,721 | 6.750% | $3,364 | #1 |
| Ohio | 1,518 | 6.750% | $4,516 | #16 |
| Michigan | 643 | 6.625% | $4,071 | #27 |
| Kentucky | 158 | 6.625% | $4,658 | #64 |
| Illinois | 89 | 6.875% | $3,250 | #158 |
| Georgia | 34 | 6.625% | $4,234 | — |
| Florida | 22 | 6.750% | $4,954 | — |
| Alabama | 18 | 6.625% | $4,565 | — |
| North Carolina | 12 | 6.625% | $1,640 | — |
| Tennessee | 7 | 6.625% | $4,222 | — |
| Pennsylvania | 6 | 6.938% | $4,255 | — |
| South Carolina | 5 | 6.750% | $1,623 | — |
| Texas | 5 | 6.875% | $6,823 | — |
| Virginia | 4 | 6.500% | $2,899 | — |
| Kansas | 3 | 6.500% | $7,441 | — |
| Colorado | 2 | 7.000% | $2,689 | — |
| West Virginia | 2 | 7.125% | $4,222 | — |
| Iowa | 1 | 6.500% | $4,003 | — |
| Minnesota | 1 | 6.375% | $14,872 | — |
| Missouri | 1 | 6.750% | $4,576 | — |
| Oklahoma | 1 | 6.625% | $4,650 | — |
| Wisconsin | 1 | 7.375% | $3,362 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,990 | 6.875% | — | 201 | −$633 | |
| 2 | $3,058 | 6.625% | — | 200 | −$565 | |
| 3 | $3,070 | 6.875% | — | 157 | −$553 | |
| 4 | $3,128 | 6.875% | — | 179 | −$495 | |
| 5 | $3,198 | 6.875% | — | 133 | −$425 | |
| 6 | $3,201 | 6.875% | — | 170 | −$422 | |
| 7 | $3,346 | 6.875% | — | 128 | −$277 | |
| 8 | $3,370 | 6.750% | — | 357 | −$253 | |
| 9 | $3,452 | 6.750% | — | 716 | −$171 | |
| 10 | $3,490 | 6.625% | — | 123 | −$133 | |
| 11 | $3,515 | 6.750% | — | 379 | −$108 | |
| 12 | $3,538 | 6.625% | — | 201 | −$85 | |
| 13 | $3,570 | 6.625% | — | 143 | −$53 | |
| 14 | $3,624 | 6.750% | — | 176 | +$1 | |
| 15 | $3,754 | 6.625% | — | 125 | +$131 | |
| 16 | $4,173 | 6.875% | — | 239 | +$550 | |
| 17 | $4,328 | 6.625% | — | 145 | +$705 | |
| 18 | $4,672 | 6.750% | — | 151 | +$1,049 | |
| 19 | $4,715 | 6.625% | — | 201 | +$1,092 | |
| 20 | $5,579 | 6.750% | — | 156 | +$1,956 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ruoff Mortgage Company, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,623 | $7,127 | −$3,504 (−49.2%) |
Other high-volume lenders side-by-side.
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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.