Ruoff Mortgage Company in North Carolina vs the state
5.1%Denial rate-12.93 pts vs state
7.7%Decision denial rate-15.13 pts vs state
48.7%Origination rate-9.09 pts vs state
6.63%Median rate+0.13 pts vs state
0.16Rate spread (pts)+0.07 pts vs state
$84kMedian applicant income
19Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 43 | 23.8% | 6.00% | #203 |
| 2024 | 170 | 29 | 22.9% | 6.13% | #233 |
| 2025 | 39 | 19 | 5.1% | 6.63% | #433 |
What Ruoff Mortgage Company lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 6 | 4 | 0 | 0.0% |
| Guilford County | 4 | 2 | 1 | 25.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Wake County | 2 | 2 | 0 | 0.0% |
| Brunswick County | 2 | 0 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
| Stanly County | 1 | 0 | 0 | 0.0% |
| Pitt County | 1 | 0 | 0 | 0.0% |
| Person County | 1 | 1 | 0 | 0.0% |
| McDowell County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 39 applications in 2025, of which 19 were originated and 2 denied.
5.1% of all applications, or 7.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ruoff Mortgage Company originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology