Ruoff Mortgage Company in Illinois vs the state
4.4%Denial rate-12.77 pts vs state
4.5%Decision denial rate-17.18 pts vs state
82.6%Origination rate+23.87 pts vs state
6.88%Median rate+0.13 pts vs state
0.67Rate spread (pts)+0.28 pts vs state
$70kMedian applicant income
95Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 69 | 8.3% | 7.00% | #344 |
| 2024 | 105 | 82 | 9.5% | 6.75% | #331 |
| 2025 | 115 | 95 | 4.4% | 6.88% | #325 |
What Ruoff Mortgage Company lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Edgar County | 17 | 14 | 1 | 5.9% |
| Richland County | 16 | 14 | 1 | 6.3% |
| Clark County | 16 | 13 | 1 | 6.3% |
| Crawford County | 14 | 10 | 2 | 14.3% |
| Vermilion County | 11 | 10 | 0 | 0.0% |
| Lawrence County | 8 | 5 | 0 | 0.0% |
| Cook County | 6 | 6 | 0 | 0.0% |
| Kane County | 5 | 4 | 0 | 0.0% |
| Will County | 5 | 4 | 0 | 0.0% |
| Coles County | 4 | 4 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 115 applications in 2025, of which 95 were originated and 5 denied.
4.4% of all applications, or 4.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Ruoff Mortgage Company originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology