Ruoff Mortgage Company Mortgage Lending & HMDA Data, 2025
In 2025, Ruoff Mortgage Company of Fort Wayne, IN reported 13,314 mortgage applications totaling $3.0 billion, down 16% from 2024. The average application was for $222,330, and applicants reported an average income of $100,888. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (1,862), Fort Wayne, IN (1,368) and Cleveland, OH (780) (applications in parentheses).
| Mortgage Company & Address | Ruoff Mortgage Company 1700 Magnavox Way Suite 220 Fort Wayne, IN 46804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 13,314 |
| Total Mortgage Loan Application Amount | $2,960,110,000 |
| Average Mortgage Loan Application Amount | $222,330 |
| Highest Mortgage Loan Application Amount | $3,255,000 |
| Average Applicant Income | $100,888 |
| Highest Applicant Income | $6,388,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ruoff Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,501 | $ 663,745,000 | $ 189,587 | $ 84,968 |
| Indianapolis-Carmel-Anderson, IN | 1,862 | $ 495,070,000 | $ 265,880 | $ 117,000 |
| Fort Wayne, IN | 1,368 | $ 306,640,000 | $ 224,152 | $ 104,000 |
| Cleveland, OH | 780 | $ 174,530,000 | $ 223,756 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 636 | $ 124,650,000 | $ 195,990 | $ 86,704 |
| Columbus, OH | 492 | $ 133,920,000 | $ 272,195 | $ 114,000 |
| Cincinnati, OH-KY-IN | 479 | $ 134,365,000 | $ 280,511 | $ 124,874 |
| Bloomington, IN | 390 | $ 106,060,000 | $ 271,948 | $ 129,000 |
| Elkhart-Goshen, IN | 382 | $ 78,930,000 | $ 206,623 | $ 85,000 |
| Terre Haute, IN | 372 | $ 63,280,000 | $ 170,107 | $ 87,000 |
| Akron, OH | 297 | $ 65,875,000 | $ 221,801 | $ 111,000 |
| Muncie, IN | 292 | $ 53,470,000 | $ 183,116 | $ 85,000 |
| Lafayette-West Lafayette, IN | 269 | $ 67,755,000 | $ 251,877 | $ 118,000 |
| Lake County-Porter County-Jasper County, IN | 232 | $ 56,210,000 | $ 242,284 | $ 99,000 |
| Kokomo, IN | 208 | $ 33,740,000 | $ 162,211 | $ 91,000 |
| Jackson, MI | 184 | $ 33,230,000 | $ 180,597 | $ 80,000 |
| Louisville/Jefferson County, KY-IN | 157 | $ 38,305,000 | $ 243,980 | $ 98,050 |
| Detroit-Dearborn-Livonia, MI | 128 | $ 22,150,000 | $ 173,046 | $ 80,000 |
| Niles-Benton Harbor, MI | 114 | $ 20,540,000 | $ 180,175 | $ 83,000 |
| Columbus, IN | 107 | $ 23,545,000 | $ 220,046 | $ 98,000 |
| Dayton-Springfield-Kettering, OH | 87 | $ 21,375,000 | $ 245,689 | $ 116,000 |
| Warren-Troy-Farmington Hills, MI | 86 | $ 23,980,000 | $ 278,837 | $ 115,000 |
| Lexington-Fayette, KY | 81 | $ 24,765,000 | $ 305,740 | $ 128,000 |
| Toledo, OH | 71 | $ 14,935,000 | $ 210,352 | $ 99,000 |
| Michigan City-La Porte, IN | 65 | $ 13,525,000 | $ 208,076 | $ 98,000 |
| Grand Rapids-Wyoming, MI | 55 | $ 17,705,000 | $ 321,909 | $ 133,000 |
| Canton-Massillon, OH | 42 | $ 9,370,000 | $ 223,095 | $ 109,000 |
| Columbus, GA-AL | 40 | $ 10,470,000 | $ 261,750 | $ 107,750 |
| Ann Arbor, MI | 38 | $ 9,940,000 | $ 261,578 | $ 160,000 |
| Muskegon, MI | 32 | $ 6,490,000 | $ 202,812 | $ 128,000 |
| Battle Creek, MI | 30 | $ 5,040,000 | $ 168,000 | $ 79,000 |
| Monroe, MI | 24 | $ 5,470,000 | $ 227,916 | $ 107,000 |
| Lansing-East Lansing, MI | 19 | $ 3,255,000 | $ 171,315 | $ 69,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 6,360,000 | $ 353,333 | $ 106,000 |
| Kalamazoo-Portage, MI | 17 | $ 3,315,000 | $ 195,000 | $ 106,000 |
| Youngstown-Warren-Boardman, OH-PA | 17 | $ 2,745,000 | $ 161,470 | $ 77,000 |
| Sandusky, OH | 14 | $ 2,660,000 | $ 190,000 | $ 118,000 |
| Auburn-Opelika, AL | 13 | $ 4,245,000 | $ 326,538 | $ 121,000 |
| Chicago-Naperville, IL | 13 | $ 4,165,000 | $ 320,384 | $ 136,000 |
| Asheville, NC | 10 | $ 3,160,000 | $ 316,000 | $ 136,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,865,000 | $ 318,333 | $ 246,000 |
| Columbia, SC | 9 | $ 2,585,000 | $ 287,222 | $ 241,000 |
| Flint, MI | 9 | $ 2,035,000 | $ 226,111 | $ 74,000 |
| Pittsburgh, PA | 9 | $ 1,755,000 | $ 195,000 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 3,700,000 | $ 462,500 | $ 172,000 |
| Elgin, IL | 7 | $ 1,855,000 | $ 265,000 | $ 136,000 |
| Elizabethtown-Fort Knox, KY | 7 | $ 1,525,000 | $ 217,857 | $ 77,000 |
| Tampa, FL | 7 | $ 1,265,000 | $ 180,714 | $ 110,000 |
| Evansville, IN-KY | 6 | $ 1,120,000 | $ 186,666 | $ 101,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 980,000 | $ 163,333 | $ 81,333 |
| Kansas City, MO-KS | 6 | $ 1,880,000 | $ 313,333 | $ 105,333 |
| Bowling Green, KY | 5 | $ 955,000 | $ 191,000 | $ 60,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,065,000 | $ 213,000 | $ 64,000 |
| Jacksonville, FL | 5 | $ 725,000 | $ 145,000 | $ 65,000 |
| Memphis, TN-MS-AR | 5 | $ 765,000 | $ 153,000 | $ 69,000 |
| Ocala, FL | 5 | $ 1,095,000 | $ 219,000 | $ 77,000 |
| Oklahoma City, OK | 5 | $ 1,025,000 | $ 205,000 | $ 75,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,945,000 | $ 389,000 | $ 554,000 |
| Richmond, VA | 5 | $ 1,035,000 | $ 207,000 | $ 105,000 |
| Springfield, OH | 5 | $ 835,000 | $ 167,000 | $ 66,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 880,000 | $ 220,000 | $ 79,000 |
| Birmingham-Hoover, AL | 4 | $ 490,000 | $ 122,500 | $ 80,000 |
| Greensboro-High Point, NC | 4 | $ 520,000 | $ 130,000 | $ 45,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 760,000 | $ 190,000 | $ 108,000 |
| Mobile, AL | 4 | $ 960,000 | $ 240,000 | $ 101,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,900,000 | $ 475,000 | $ 124,000 |
| Paducah, KY-IL | 4 | $ 360,000 | $ 90,000 | $ 114,750 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,380,000 | $ 345,000 | $ 613,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,340,000 | $ 335,000 | $ 132,000 |
| Wichita, KS | 4 | $ 900,000 | $ 225,000 | $ 56,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,715,000 | $ 571,666 | $ 250,000 |
| Green Bay, WI | 3 | $ 475,000 | $ 158,333 | $ 47,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 515,000 | $ 171,666 | $ 64,000 |
| Knoxville, TN | 3 | $ 705,000 | $ 235,000 | $ 102,000 |
| Lima, OH | 3 | $ 375,000 | $ 125,000 | $ 50,000 |
| Mansfield, OH | 3 | $ 425,000 | $ 141,666 | $ 98,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 995,000 | $ 331,666 | $ 104,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 585,000 | $ 195,000 | $ 71,000 |
| Owensboro, KY | 3 | $ 445,000 | $ 148,333 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 805,000 | $ 268,333 | $ 98,000 |
| Port St. Lucie, FL | 3 | $ 1,245,000 | $ 415,000 | $ 103,000 |
| Punta Gorda, FL | 3 | $ 575,000 | $ 191,666 | $ 82,000 |
| St. Louis, MO-IL | 3 | $ 295,000 | $ 98,333 | $ 124,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 1,275,000 | $ 425,000 | $ 180,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 495,000 | $ 165,000 | $ 58,000 |
| Wilmington, NC | 3 | $ 755,000 | $ 251,666 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 370,000 | $ 185,000 | $ 57,000 |
| Chattanooga, TN-GA | 2 | $ 490,000 | $ 245,000 | $ 65,500 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,310,000 | $ 655,000 | $ 220,000 |
| Durham-Chapel Hill, NC | 2 | $ 750,000 | $ 375,000 | $ 185,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 520,000 | $ 260,000 | $ 191,000 |
| Fort Worth-Arlington, TX | 2 | $ 770,000 | $ 385,000 | $ 118,000 |
| Greeley, CO | 2 | $ 1,360,000 | $ 680,000 | $ 218,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 370,000 | $ 185,000 | $ 100,000 |
| Homosassa Springs, FL | 2 | $ 300,000 | $ 150,000 | $ 57,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 560,000 | $ 280,000 | $ 146,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 250,000 | $ 125,000 | $ 26,000 |
| Madison, WI | 2 | $ 370,000 | $ 185,000 | $ 40,000 |
| Marietta, GA | 2 | $ 680,000 | $ 340,000 | $ 145,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 690,000 | $ 345,000 | $ 186,000 |
| Montgomery, AL | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Peoria, IL | 2 | $ 500,000 | $ 250,000 | $ 173,000 |
| Raleigh, NC | 2 | $ 720,000 | $ 360,000 | $ 188,000 |
| Reading, PA | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Saginaw, MI | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Springfield, MO | 2 | $ 350,000 | $ 175,000 | $ 54,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 560,000 | $ 280,000 | $ 70,000 |
| Wildwood-The Villages, FL | 2 | $ 660,000 | $ 330,000 | $ 213,000 |
| Baton Rouge, LA | 1 | $ 175,000 | $ 175,000 | $ 178,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Charleston-North Charleston, SC | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 395,000 | $ 395,000 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Greenville, NC | 1 | $ 325,000 | $ 325,000 | $ 149,000 |
| Hot Springs, AR | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Jacksonville, NC | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Kankakee, IL | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Lakeland-Winter Haven, FL | 1 | $ 425,000 | $ 425,000 | $ 153,000 |
| Lawton, OK | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Macon-Bibb County, GA | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Midland, MI | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| Odessa, TX | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Panama City, FL | 1 | $ 455,000 | $ 455,000 | $ 193,000 |
| Philadelphia, PA | 1 | $ 65,000 | $ 65,000 | $ 13,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Roanoke, VA | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Rocky Mount, NC | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Rome, GA | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Sioux City, IA-NE-SD | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Spartanburg, SC | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Texarkana, TX-AR | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Tulsa, OK | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Valdosta, GA | 1 | $ 315,000 | $ 315,000 | $ 164,000 |
| Warner Robins, GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Wheeling, WV-OH | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Ruoff Mortgage Company in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 11,370 | $2,529,150,000 | $222,000 | $1,675,000 | $101,000 | $6,388,000 |
| Cash-out Refinancing | 1,128 | $220,340,000 | $195,000 | $3,255,000 | $91,000 | $867,000 |
| Refinancing | 816 | $210,620,000 | $258,000 | $3,005,000 | $113,000 | $2,500,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 10,866 | $2,425,570,000 | $223,000 | $3,255,000 | $101,000 | $3,596,000 |
| Hispanic | 824 | $159,380,000 | $193,000 | $665,000 | $84,000 | $661,000 |
| Not Provided | 695 | $165,575,000 | $238,000 | $1,285,000 | $108,000 | $1,094,000 |
| Black or African American | 646 | $135,450,000 | $209,000 | $1,445,000 | $99,000 | $6,388,000 |
| Asian | 237 | $64,765,000 | $273,000 | $805,000 | $135,000 | $1,048,000 |
| American Indian or Alaskan Native | 38 | $7,620,000 | $200,000 | $535,000 | $84,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,750,000 | $218,000 | $325,000 | $64,000 | $94,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,905 | $1,991,885,000 | $223,000 | $3,255,000 | $110,000 | $6,388,000 |
| FHA-insured (Federal Housing Administration) | 3,439 | $722,705,000 | $210,000 | $3,005,000 | $80,000 | $549,000 |
| VA-guaranteed (Veterans Administration) | 660 | $191,310,000 | $289,000 | $915,000 | $105,000 | $530,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 310 | $54,210,000 | $174,000 | $365,000 | $67,000 | $129,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,934 | $2,226,510,000 | $224,000 | $1,675,000 | $102,000 | $6,388,000 |
| Application Withdrawn By Applicant | 1,351 | $305,685,000 | $226,000 | $3,255,000 | $108,000 | $2,500,000 |
| Application Approved But Not Accepted | 1,227 | $263,845,000 | $215,000 | $1,275,000 | $98,000 | $711,000 |
| Application Denied By Financial Institution | 616 | $127,000,000 | $206,000 | $1,405,000 | $79,000 | $796,000 |
| Preapproval Denied by Financial Institution | 102 | $19,720,000 | $193,000 | $1,285,000 | $61,000 | $225,000 |
| Preapproval Approved but not Accepted | 55 | $10,695,000 | $194,000 | $435,000 | $73,000 | $354,000 |
| File Closed For Incompleteness | 29 | $6,655,000 | $229,000 | $755,000 | $101,000 | $474,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 12,596 | $2,813,390,000 | $223,000 | $3,255,000 | $102,000 | $6,388,000 |
| Debt-To-Income Ratio | 243 | $51,575,000 | $212,000 | $1,285,000 | $59,000 | $254,000 |
| Credit History | 168 | $31,220,000 | $185,000 | $1,405,000 | $78,000 | $455,000 |
| Collateral | 160 | $34,510,000 | $215,000 | $1,305,000 | $102,000 | $796,000 |
| Employment History | 63 | $12,625,000 | $200,000 | $405,000 | $64,000 | $372,000 |
| Unverifiable Information | 30 | $5,570,000 | $185,000 | $435,000 | $67,000 | $144,000 |
| Other | 26 | $4,810,000 | $185,000 | $385,000 | $94,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $5,515,000 | $220,000 | $725,000 | $86,000 | $178,000 |
| Credit Application Incomplete | 3 | $895,000 | $298,000 | $575,000 | $94,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ruoff Mortgage Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ruoff Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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