Ruoff Mortgage Company in Michigan vs the state
6.7%Denial rate-11.87 pts vs state
7.6%Decision denial rate-14.99 pts vs state
75.5%Origination rate+15.59 pts vs state
6.63%Median rate-0.13 pts vs state
0.50Rate spread (pts)+0.10 pts vs state
$79kMedian applicant income
794Loans originated
70Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 841 | 531 | 7.4% | 6.75% | #80 |
| 2024 | 1,069 | 723 | 6.6% | 6.63% | #68 |
| 2025 | 1,052 | 794 | 6.7% | 6.63% | #69 |
What Ruoff Mortgage Company lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 184 | 146 | 13 | 7.1% |
| Wayne County | 128 | 93 | 9 | 7.0% |
| Berrien County | 114 | 75 | 8 | 7.0% |
| St. Joseph County | 110 | 95 | 10 | 9.1% |
| Cass County | 94 | 68 | 11 | 11.7% |
| Branch County | 39 | 26 | 2 | 5.1% |
| Washtenaw County | 38 | 26 | 2 | 5.3% |
| Oakland County | 36 | 26 | 2 | 5.6% |
| Macomb County | 35 | 29 | 0 | 0.0% |
| Muskegon County | 32 | 28 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,052 applications in 2025, of which 794 were originated and 70 denied.
6.7% of all applications, or 7.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Ruoff Mortgage Company originated in Michigan 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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology