Lender in Michigan · HMDA 2025
Ruoff Mortgage Company, Inc. mortgages in Michigan
Ruoff Mortgage Company, Inc.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Ruoff Mortgage Company, Inc. originated 692 owner-occupied single-family loans in Michigan from 804 completed applications.
Its median conventional purchase loan costs were $3,750 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
692
of 804 applications
Denial rate
6.2%
Purchase · MI 7.8%
Rate spread
+0.30 pts
Conv. · MI +0.23 pts
Loan amount
$195,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 708 | 623 | 6.2% | 6.625% | +0.30 pts | $3,750 | $195,000 |
| Refinance | 35 | 22 | 22.9% | — | — | — | $225,000 |
| Cash-out refinance | 61 | 47 | 16.4% | 6.875% | +0.52 pts | $5,010 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Ruoff Mortgage Company, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Joseph County | 1 | 83 | 10.6% |
| Cass County | 1 | 60 | 9.5% |
| Jackson County | 4 | 132 | 6.1% |
| Berrien County | 6 | 67 | 3.7% |
| Branch County | 9 | 20 | 4.2% |
| Montmorency County | 9 | 3 | 2.1% |
| Hillsdale County | 13 | 7 | 1.4% |
| Muskegon County | 22 | 22 | 0.8% |
| Lenawee County | 23 | 13 | 1.0% |
| Calhoun County | 24 | 17 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology