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Ruoff Mortgage Company in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Ruoff Mortgage Company's 2024 HMDA record for Indiana covers 8,393 applications, 6,395 of them originated, worth $1.4bn.
Its denial rate in the state was 5.1%, below the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 8.3%.
The median rate spread on its Indiana originations was 0.5 percentage points (state median 0.5).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Ruoff Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.1% | 21.5% | 8.3% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.0% | 15.8% | 4.5% | 15.6% |
| Average originated loan | $211k | $216k | $217k | $329k |
| Home purchase share | 90.1% | 53.1% | 88.0% | 57.0% |
| FHA-insured share | 22.8% | 14.5% | 24.1% | 13.4% |
| VA-guaranteed share | 4.6% | 6.0% | 5.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 90% (5,759)Refinancing 4% (269)Cash-out refinancing 6% (367)
By type
Conventional 70% (4,454)FHA 23% (1,455)VA 5% (294)USDA 3% (192)
Denial reasons as coded
Share of 383 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allen County | 1,129 | 849 | $183m | 4.0% |
| Marion County | 694 | 519 | $121m | 5.6% |
| St. Joseph County | 457 | 367 | $72m | 4.1% |
| Delaware County | 358 | 284 | $47m | 4.5% |
| Hamilton County | 321 | 253 | $93m | 3.5% |
| Monroe County | 306 | 233 | $60m | 4.4% |
| Kosciusko County | 250 | 204 | $43m | 5.7% |
| Grant County | 261 | 196 | $30m | 6.1% |
| Elkhart County | 249 | 187 | $41m | 6.0% |
| Vigo County | 240 | 186 | $32m | 3.3% |
| Madison County | 227 | 167 | $29m | 4.1% |
| Tippecanoe County | 206 | 159 | $36m | 3.9% |
| Howard County | 211 | 153 | $23m | 5.4% |
| Hendricks County | 182 | 146 | $45m | 4.8% |
| Lake County | 161 | 133 | $34m | 5.4% |
| Putnam County | 153 | 117 | $24m | 8.0% |
| DeKalb County | 144 | 112 | $23m | 4.4% |
| Clinton County | 127 | 99 | $17m | 3.6% |
| Henry County | 126 | 99 | $15m | 3.6% |
| Johnson County | 130 | 98 | $24m | 4.3% |
| Whitley County | 110 | 86 | $19m | 4.0% |
| Lawrence County | 119 | 85 | $16m | 6.7% |
| Huntington County | 113 | 78 | $13m | 8.1% |
| Wabash County | 103 | 77 | $12m | 7.2% |
| Marshall County | 98 | 74 | $12m | 4.6% |
| Hancock County | 87 | 72 | $21m | 2.6% |
| Wells County | 78 | 66 | $14m | 5.3% |
| Steuben County | 94 | 65 | $13m | 6.3% |
| Noble County | 86 | 63 | $14m | 6.2% |
| Adams County | 76 | 63 | $12m | 6.9% |
| Owen County | 76 | 63 | $14m | 8.3% |
| Morgan County | 82 | 58 | $13m | 1.4% |
| Miami County | 73 | 56 | $8.0m | 4.5% |
| Bartholomew County | 66 | 52 | $10m | 1.7% |
| Montgomery County | 63 | 47 | $9.7m | 8.9% |
| Boone County | 57 | 47 | $14m | 0.0% |
| Sullivan County | 61 | 46 | $7.1m | 10.9% |
| Greene County | 60 | 44 | $7.9m | 5.8% |
| Starke County | 58 | 40 | $6.5m | 7.7% |
| Clay County | 46 | 38 | $6.7m | 4.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Ruoff Mortgage Company originate in Indiana in 2024?
6,395 loans totalling $1.4bn, from 8,393 applications reported for properties in Indiana.
What is Ruoff Mortgage Company's denial rate in Indiana?
5.1% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 8.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Indiana counties does Ruoff Mortgage Company lend in most?
By originations: Allen County (849), Marion County (519), St. Joseph County (367), Delaware County (284), Hamilton County (253).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.