Ruoff Mortgage Company in Kentucky vs the state
8.1%Denial rate-10.76 pts vs state
9.7%Decision denial rate-13.81 pts vs state
65.1%Origination rate+7.06 pts vs state
6.63%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.10 pts vs state
$89kMedian applicant income
194Loans originated
24Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,261 | 872 | 6.8% | 6.75% | #29 |
| 2024 | 1,098 | 770 | 5.4% | 6.75% | #39 |
| 2025 | 298 | 194 | 8.1% | 6.63% | #111 |
What Ruoff Mortgage Company lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 53 | 42 | 4 | 7.5% |
| Jefferson County | 25 | 15 | 2 | 8.0% |
| Henderson County | 23 | 16 | 1 | 4.3% |
| Jessamine County | 12 | 8 | 0 | 0.0% |
| Kenton County | 10 | 4 | 0 | 0.0% |
| Scott County | 9 | 8 | 0 | 0.0% |
| Boone County | 9 | 5 | 0 | 0.0% |
| Boyle County | 9 | 4 | 2 | 22.2% |
| Bullitt County | 8 | 4 | 1 | 12.5% |
| Anderson County | 7 | 6 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 298 applications in 2025, of which 194 were originated and 24 denied.
8.1% of all applications, or 9.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Ruoff Mortgage Company originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology