Ruoff Mortgage Company in Wisconsin vs the state
20.0%Denial rate+5.99 pts vs state
42.9%Decision denial rate+26.50 pts vs state
26.7%Origination rate-41.48 pts vs state
6.19%Median rate-0.44 pts vs state
0.07Rate spread (pts)-0.05 pts vs state
$46kMedian applicant income
4Loans originated
3Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 7 | 24.1% | 6.25% | #287 |
| 2024 | 64 | 10 | 25.0% | 5.94% | #293 |
| 2025 | 15 | 4 | 20.0% | 6.19% | #450 |
What Ruoff Mortgage Company lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 4 | 1 | 0 | 0.0% |
| Dane County | 2 | 0 | 1 | 50.0% |
| Oneida County | 2 | 1 | 0 | 0.0% |
| Brown County | 2 | 1 | 0 | 0.0% |
| Oconto County | 1 | 0 | 0 | 0.0% |
| Sauk County | 1 | 0 | 1 | 100.0% |
| Green Lake County | 1 | 1 | 0 | 0.0% |
| Manitowoc County | 1 | 0 | 1 | 100.0% |
| Marquette County | 1 | 0 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 15 applications in 2025, of which 4 were originated and 3 denied.
20.0% of all applications, or 42.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Ruoff Mortgage Company originated in Wisconsin in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are Ruoff Mortgage Company's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology