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Ruoff Mortgage Company in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio covers 3,148 applications, 2,230 of them originated, worth $512m.
Its denial rate in the state was 6.1%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 8.3%.
The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Ruoff Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.1% | 23.5% | 8.3% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.6% | 17.7% | 4.5% | 15.6% |
| Average originated loan | $229k | $218k | $217k | $329k |
| Home purchase share | 91.6% | 51.7% | 88.0% | 57.0% |
| FHA-insured share | 23.5% | 12.3% | 24.1% | 13.4% |
| VA-guaranteed share | 5.9% | 5.9% | 5.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 92% (2,042)Refinancing 3% (60)Cash-out refinancing 6% (128)
By type
Conventional 70% (1,559)FHA 23% (523)VA 6% (131)USDA 1% (17)
Denial reasons as coded
Share of 161 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 403 | 267 | $68m | 8.2% |
| Cuyahoga County | 359 | 237 | $47m | 8.8% |
| Summit County | 324 | 228 | $44m | 5.7% |
| Hamilton County | 222 | 168 | $41m | 5.1% |
| Lorain County | 187 | 140 | $29m | 3.9% |
| Butler County | 158 | 113 | $30m | 4.4% |
| Warren County | 102 | 83 | $27m | 2.2% |
| Licking County | 104 | 76 | $18m | 3.4% |
| Muskingum County | 95 | 72 | $15m | 2.4% |
| Medina County | 99 | 70 | $19m | 3.7% |
| Lucas County | 78 | 61 | $12m | 4.7% |
| Montgomery County | 84 | 58 | $11m | 8.6% |
| Lake County | 78 | 58 | $11m | 4.5% |
| Portage County | 62 | 46 | $11m | 7.4% |
| Fairfield County | 58 | 40 | $11m | 6.3% |
| Delaware County | 45 | 37 | $15m | 2.6% |
| Stark County | 54 | 36 | $8.2m | 6.7% |
| Knox County | 46 | 34 | $7.7m | 5.0% |
| Coshocton County | 35 | 29 | $4.9m | 0.0% |
| Clermont County | 38 | 27 | $6.8m | 9.7% |
| Pickaway County | 39 | 25 | $6.4m | 12.1% |
| Greene County | 26 | 16 | $5.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Ruoff Mortgage Company originate in Ohio in 2024?
2,230 loans totalling $512m, from 3,148 applications reported for properties in Ohio.
What is Ruoff Mortgage Company's denial rate in Ohio?
6.1% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Ruoff Mortgage Company lend in most?
By originations: Franklin County (267), Cuyahoga County (237), Summit County (228), Hamilton County (168), Lorain County (140).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.