Ruoff Mortgage Company in Missouri vs the state
10.0%Denial rate-5.07 pts vs state
20.0%Decision denial rate+1.30 pts vs state
10.0%Origination rate-52.66 pts vs state
6.75%Median rate+0.13 pts vs state
0.23Rate spread (pts)-0.12 pts vs state
$54kMedian applicant income
1Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 12 | 18.6% | 6.00% | #239 |
| 2024 | 108 | 19 | 20.4% | 6.00% | #237 |
| 2025 | 10 | 1 | 10.0% | 6.75% | #500 |
What Ruoff Mortgage Company lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 2 | 0 | 0 | 0.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Taney County | 1 | 1 | 0 | 0.0% |
| St. Louis city | 1 | 0 | 0 | 0.0% |
| Scott County | 1 | 0 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Monroe County | 1 | 0 | 0 | 0.0% |
| Webster County | 1 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 10 applications in 2025, of which 1 were originated and 1 denied.
10.0% of all applications, or 20.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Ruoff Mortgage Company originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology