Ruoff Mortgage Company in Florida vs the state
12.9%Denial rate-8.20 pts vs state
17.7%Decision denial rate-9.59 pts vs state
51.4%Origination rate-1.26 pts vs state
6.75%Median rate+0.13 pts vs state
0.50Rate spread (pts)+0.23 pts vs state
$104kMedian applicant income
36Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 378 | 121 | 18.0% | 6.63% | #276 |
| 2024 | 346 | 98 | 23.7% | 6.50% | #290 |
| 2025 | 70 | 36 | 12.9% | 6.75% | #547 |
What Ruoff Mortgage Company lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 9 | 5 | 0 | 0.0% |
| Marion County | 5 | 2 | 0 | 0.0% |
| Brevard County | 4 | 2 | 1 | 25.0% |
| Sarasota County | 4 | 2 | 0 | 0.0% |
| Pasco County | 4 | 2 | 1 | 25.0% |
| Orange County | 3 | 1 | 1 | 33.3% |
| Pinellas County | 3 | 3 | 0 | 0.0% |
| Duval County | 3 | 1 | 0 | 0.0% |
| Charlotte County | 3 | 2 | 0 | 0.0% |
| Escambia County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 70 applications in 2025, of which 36 were originated and 9 denied.
12.9% of all applications, or 17.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Ruoff Mortgage Company originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology