Ruoff Mortgage Company in Oklahoma vs the state
14.3%Denial rate-3.63 pts vs state
33.3%Decision denial rate+10.46 pts vs state
14.3%Origination rate-41.81 pts vs state
6.63%Median rate0.00 pts vs state
0.00Rate spread (pts)-0.35 pts vs state
$60kMedian applicant income
1Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 13 | 15.5% | 6.38% | #196 |
| 2024 | 71 | 13 | 28.2% | 6.13% | #206 |
| 2025 | 7 | 1 | 14.3% | 6.63% | #445 |
What Ruoff Mortgage Company lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 2 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 0 | 0 | 0.0% |
| Canadian County | 1 | 0 | 0 | 0.0% |
| Cotton County | 1 | 0 | 0 | 0.0% |
| Wagoner County | 1 | 0 | 1 | 100.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 7 applications in 2025, of which 1 were originated and 1 denied.
14.3% of all applications, or 33.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Ruoff Mortgage Company originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology