Applications / Mortgage Analytics / Lenders / Indiana / Ruoff Mortgage Company
Fort Wayne, IN · Non-bank lender · CFPB · 9,934 loans in 2025
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9,934
loans originated, 2025
13,157
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ruoff Mortgage Company is an Indiana-based purchase lender that ranks second in Fort Wayne and lends to LMI borrowers more than most similar lenders, though its originations fell 7% in 2025.
Purchases were 89.6% of its 2025 loans. Its typical loan was $205,000, the smallest among similar lenders (non-bank lenders making between a quarter and four times as many loans), whose typical loan was $305,000. It made 9,934 loans, more than about four in five peers.
It ranked 2 of 304 lenders in Fort Wayne, its home market since 2009, behind Three Rivers Federal Credit Union. Its share there slipped to 9.2% from 9.4%, and in Cincinnati to 0.6% from 0.9%; a smaller total of loans this year could be part of the reason.
41.6% of its loans went to LMI (low- and moderate-income) borrowers, higher than more than four in five peers, whose typical share was 25.5%, which could reflect its small loan sizes. 6.7% were in majority-minority areas, against 33.1% for peers; its lending is centred on Indiana markets, which could be one reason. Its purchase denial rate, 3.5%, was lower than the peers' 8.2%.
Originations fell 7%, while similar lenders typically grew 23% and the whole market 10%. Five years earlier it made 30,181 loans. With purchases nearly nine in ten of its loans, it may have had less to gain from refinancing than lenders with a broader mix; its focus on Indiana markets could be another reason.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ruoff Mortgage Company took 13,157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.6% · Refinance 10.4%
Conventional 68.2% · FHA 24.3% · VA 5.0% · USDA (RHS or FSA) 2.4% · of 9,934 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 6,870 | 69.2% |
| Ohio | 1,793 | 18.0% |
| Michigan | 794 | 8.0% |
| Kentucky | 194 | 2.0% |
| Illinois | 95 | 1.0% |
| Georgia | 41 | 0.4% |
| Florida | 36 | 0.4% |
| Alabama | 23 | 0.2% |
| North Carolina | 19 | 0.2% |
| South Carolina | 13 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 1,413 |
| Fort Wayne | 1,066 |
| Cleveland | 599 |
| South Bend-Mishawaka | 496 |
| Cincinnati | 364 |
| Columbus | 332 |
| Elkhart-Goshen | 292 |
| Terre Haute | 292 |
| Bloomington | 284 |
| Muncie | 229 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GSCUJKJINRJ980 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4183741 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7351616238 |
Established date not on record. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Ruoff Mortgage Company's data.
Ruoff Mortgage Company's data
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