Ruoff Mortgage Company in Ohio vs the state
4.8%Denial rate-12.86 pts vs state
5.6%Decision denial rate-16.27 pts vs state
72.8%Origination rate+12.87 pts vs state
6.75%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.02 pts vs state
$92kMedian applicant income
1,793Loans originated
119Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,197 | 2,249 | 6.0% | 6.88% | #26 |
| 2024 | 3,148 | 2,230 | 5.1% | 6.75% | #33 |
| 2025 | 2,464 | 1,793 | 4.8% | 6.75% | #41 |
What Ruoff Mortgage Company lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 348 | 246 | 24 | 6.9% |
| Franklin County | 289 | 193 | 12 | 4.2% |
| Summit County | 249 | 173 | 19 | 7.6% |
| Lorain County | 205 | 172 | 9 | 4.4% |
| Hamilton County | 173 | 127 | 6 | 3.5% |
| Medina County | 122 | 94 | 5 | 4.1% |
| Warren County | 116 | 90 | 6 | 5.2% |
| Butler County | 114 | 91 | 2 | 1.8% |
| Lake County | 70 | 57 | 2 | 2.9% |
| Montgomery County | 61 | 47 | 1 | 1.6% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 2,464 applications in 2025, of which 1,793 were originated and 119 denied.
4.8% of all applications, or 5.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Ruoff Mortgage Company originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology