Number two at home
It ranks 2 of 288 lenders in Davenport-Moline-Rock Island, with 5.8% of the market, barely changed from 5.9%. Only GreenState Credit Union lends more there. It has reported there since 2014, its first year in the data.
Applications / Mortgage Analytics / Lenders / Illinois / Ruhl Mortgage
Ruhl Mortgage
Moline, IL · Independent non-bank lender · CFPB · 557 loans in 2025
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557
loans originated, 2025
681
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ruhl Mortgage is the second-largest lender in its home market of Davenport-Moline-Rock Island, a home-purchase specialist whose borrowers have lower incomes than at most similar lenders.
Smaller loans, lower-income buyers
Its typical loan was $185,000, against $330,000 at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Some 41.5% of its borrowers had low or moderate incomes, against 24.6% at its peers, higher than about six in seven of them. Home purchases made up 85.6% of its lending.
Few higher-priced loans
Only 0.2% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 1.7% at its peers. Its typical rate, 6.25%, was below their 6.50%. It turned down 1.1% of home-purchase applications, against 3.1%.
Steady growth
It made 557 loans, up 5%, while similar lenders grew 2%. Its count has risen each year since 2023, from 471 to 528 to 557.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
557 loans in 2025, against a peak of 1,398 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ruhl Mortgage took 681 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
85.6% of its 2025 loans were purchase loans; 73.6% were conventional loans.
Purchase 85.6% · Refinance 14.2% · Home improvement 0.2%
Conventional 73.6% · FHA 17.6% · VA 8.4% · USDA (RHS or FSA) 0.4% · of 557 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
2 states, 10 metros, 36 counties
| State | Loans | Share |
|---|---|---|
| Iowa | 402 | 72.2% |
| Illinois | 155 | 27.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 407 |
| Cedar Rapids | 8 |
| Des Moines-West Des Moines | 7 |
| Dubuque | 7 |
| Iowa City | 6 |
| Chicago-Naperville-Schaumburg | 3 |
| Ames | 1 |
| Bloomington | 1 |
| Elgin | 1 |
| Omaha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HSB39FXRFMW540 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4408051 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7800801750 |
Established 30 April 2012. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Ruhl Mortgage's data.
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