CFPB · Single-product concentration
Ruoff Mortgage
51 CFPB complaints · 88.2% in "Mortgage" · top issue Trouble during payment process.
Ruoff Mortgage: 88.2% of 51 CFPB complaints sit in "Mortgage". Timely 98% · relief 7.8%. Allegations, not findings.
- Single-product concentration
- +700% filings 2015 to 2026
CFPB relief outcome brief
CCDB company ruoff-mortgage
7.8% relief · 98% timely · 51 filings · Mortgage
Same-product relief peers
Nearest relief peer: American Financial Network Inc. (7.8% relief)
Ruoff Mortgage closes 7.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Ruoff Mortgage's 51 filings include narrative text
62.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Ruoff Mortgage complaint mix by product
- Mortgage 45 88.2% – 9% relief
- Credit reporting, 3 5.9% – 0% relief
- Debt collection 2 3.9% – 0% relief
- Credit reporting 1 2.0% – 0% relief
How Ruoff Mortgage's 51 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 45 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Debt collection | 2 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for Ruoff Mortgage
Top states by attributed CFPB complaint volume for this company
- Leading state
- IN
- 56.9% of this company's filings
Ruoff Mortgage rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 8
- +700% vs 2015
Top States
| State | Complaints |
|---|---|
| IN | 29 |
| OH | 9 |
| MI | 6 |
| PA | 2 |
| CA | 2 |
| IL | 1 |
| KY | 1 |
| ME | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 13 |
| Applying for a mortgage or refinancing an existing mortgage | 11 |
| Closing on a mortgage | 8 |
| Improper use of your report | 4 |
| Struggling to pay mortgage | 4 |
| Incorrect information on your report | 2 |
| Application, originator, mortgage broker | 2 |
| Loan servicing, payments, escrow account | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| False statements or representation | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2016 | 2 | 50% |
| 2017 | 3 | 100% |
| 2018 | 1 | 100% |
| 2020 | 8 | 100% |
| 2021 | 10 | 100% |
| 2022 | 6 | 100% |
| 2023 | 3 | 100% |
| 2024 | 2 | 100% |
| 2025 | 7 | 100% |
| 2026 | 8 | 100% |
Source: CFPB Consumer Complaint Database
Ruoff Mortgage filings cluster in one product
Ruoff Mortgage's 51 logged complaints stay concentrated: only 8 states show a filing. 62.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-03-27.
Ruoff Mortgage answers 98% of complaints inside the CFPB's tracked window and closes 90.2% with a written explanation. 7.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Ruoff Mortgage.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ruoff Mortgage: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 51.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Ruoff Mortgage (98% timely; 7.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration