Ruoff Mortgage Company in Iowa vs the state
16.7%Denial rate+3.81 pts vs state
25.0%Decision denial rate+9.69 pts vs state
33.3%Origination rate-35.13 pts vs state
6.06%Median rate-0.44 pts vs state
-0.15Rate spread (pts)-0.34 pts vs state
$55kMedian applicant income
2Loans originated
1Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 8 | 9.1% | 6.19% | #222 |
| 2024 | 51 | 6 | 15.7% | 6.00% | #210 |
| 2025 | 6 | 2 | 16.7% | 6.06% | #400 |
What Ruoff Mortgage Company lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Black Hawk County | 1 | 0 | 0 | 0.0% |
| Cass County | 1 | 0 | 0 | 0.0% |
| Sioux County | 1 | 0 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Woodbury County | 1 | 1 | 0 | 0.0% |
| Fremont County | 1 | 0 | 1 | 100.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Ruoff Mortgage Company originated in Iowa in 2025 was 6.06%, against a statewide median of 6.50%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology