Ruoff Mortgage Company in Georgia vs the state
8.1%Denial rate-11.16 pts vs state
9.8%Decision denial rate-15.27 pts vs state
66.1%Origination rate+12.04 pts vs state
6.63%Median rate0.00 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$87kMedian applicant income
41Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 90 | 17.9% | 6.50% | #208 |
| 2024 | 226 | 74 | 17.3% | 6.50% | #221 |
| 2025 | 62 | 41 | 8.1% | 6.63% | #415 |
What Ruoff Mortgage Company lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muscogee County | 19 | 16 | 0 | 0.0% |
| Harris County | 8 | 7 | 0 | 0.0% |
| Fulton County | 8 | 4 | 2 | 25.0% |
| Gwinnett County | 3 | 1 | 0 | 0.0% |
| DeKalb County | 2 | 0 | 1 | 50.0% |
| Chattahoochee County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Stephens County | 2 | 1 | 1 | 50.0% |
| Bibb County | 1 | 1 | 0 | 0.0% |
| Paulding County | 1 | 0 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 62 applications in 2025, of which 41 were originated and 5 denied.
8.1% of all applications, or 9.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Ruoff Mortgage Company originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology