Ruoff Mortgage Company in Virginia vs the state
22.2%Denial rate+6.28 pts vs state
28.6%Decision denial rate+8.32 pts vs state
44.4%Origination rate-15.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.03 pts vs state
$70kMedian applicant income
8Loans originated
4Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 15 | 15.1% | 6.00% | #307 |
| 2024 | 88 | 18 | 15.9% | 5.81% | #293 |
| 2025 | 18 | 8 | 22.2% | 6.50% | #502 |
What Ruoff Mortgage Company lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spotsylvania County | 2 | 1 | 1 | 50.0% |
| Chesterfield County | 2 | 1 | 0 | 0.0% |
| Virginia Beach city | 2 | 1 | 1 | 50.0% |
| Chesapeake city | 1 | 0 | 0 | 0.0% |
| Nottoway County | 1 | 0 | 0 | 0.0% |
| Fairfax County | 1 | 1 | 0 | 0.0% |
| Richmond city | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Roanoke County | 1 | 0 | 1 | 100.0% |
| Northumberland County | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 18 applications in 2025, of which 8 were originated and 4 denied.
22.2% of all applications, or 28.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Ruoff Mortgage Company originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology