Lenders › Ruoff Mortgage Company › Missouri
Ruoff Mortgage Company in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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.
In Missouri, Ruoff Mortgage Company reported 108 applications and 19 originations for 2024, $2.9m in all.
Its denial rate in the state was 50.0%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 8.3%.
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Ruoff Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 50.0% | 19.9% | 8.3% | 24.3% |
| Median rate spread, pp | — | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.1% | 4.5% | 15.6% |
| Average originated loan | — | $231k | $217k | $329k |
| Home purchase share | 10.5% | 58.6% | 88.0% | 57.0% |
| FHA-insured share | 47.4% | 12.8% | 24.1% | 13.4% |
| VA-guaranteed share | 0.0% | 8.2% | 5.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 11% (2)Refinancing 21% (4)Cash-out refinancing 68% (13)
By type
Conventional 53% (10)FHA 47% (9)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Missouri
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Ruoff Mortgage Company originate in Missouri in 2024?
19 loans totalling $2.9m, from 108 applications reported for properties in Missouri.
What is Ruoff Mortgage Company's denial rate in Missouri?
50.0% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Ruoff Mortgage Company lend in most?
No county in the state reaches 25 applications.
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.