Ruoff Mortgage Company in Indiana vs the state
4.0%Denial rate-12.53 pts vs state
4.4%Decision denial rate-15.73 pts vs state
77.5%Origination rate+15.29 pts vs state
6.75%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.15 pts vs state
$79kMedian applicant income
6,870Loans originated
358Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,455 | 5,565 | 5.2% | 6.88% | #2 |
| 2024 | 8,393 | 6,395 | 4.6% | 6.75% | #2 |
| 2025 | 8,860 | 6,870 | 4.0% | 6.75% | #2 |
What Ruoff Mortgage Company lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 1,165 | 898 | 50 | 4.3% |
| Marion County | 631 | 466 | 23 | 3.6% |
| St. Joseph County | 542 | 428 | 19 | 3.5% |
| Elkhart County | 382 | 292 | 22 | 5.8% |
| Monroe County | 330 | 248 | 15 | 4.5% |
| Hamilton County | 312 | 245 | 8 | 2.6% |
| Delaware County | 290 | 229 | 5 | 1.7% |
| Kosciusko County | 277 | 213 | 3 | 1.1% |
| Grant County | 271 | 208 | 13 | 4.8% |
| Madison County | 247 | 184 | 9 | 3.6% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
| The Huntington National Bank | D | 4,584 | 30.2% | 7.84% |
Frequently asked questions
Indiana: 8,860 applications in 2025, of which 6,870 were originated and 358 denied.
4.0% of all applications, or 4.4% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Ruoff Mortgage Company originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology