CFPB Consumer Complaint Profile
Ruoff Mortgage
What 50 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 50
- Total complaints
- Mid-range
- 12
- Last 12 months
- 98%
- Timely response
- Below median
- 8
- States affected
The verdict
50 CFPB complaints put Ruoff Mortgage at #1831 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 98%, the 48th percentile for the 100+ complaint peer group.
- #1831
- of 3,843 companies by volume
- 98%
- on time (48th pctile)
- Mortgage
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Ruoff Mortgage vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98% Around the middle higher than 48% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 3 |
| 2018 | 1 |
| 2020 | 8 |
| 2021 | 10 |
| 2022 | 6 |
| 2023 | 3 |
| 2024 | 2 |
| 2025 | 7 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ruoff Mortgage
The CFPB Consumer Complaint Database has logged 50 complaints against Ruoff Mortgage overall, with 12 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Ruoff Mortgage draw a 98% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 25% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 8% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Ruoff Mortgage have?
Ruoff Mortgage has 50 total consumer complaints filed with the CFPB, with 12 filed in the last 12 months.
Does Ruoff Mortgage respond to complaints on time?
Ruoff Mortgage's CFPB timely-response rate is 98%. This is considered excellent.
What product generates the most complaints for Ruoff Mortgage?
The most complained-about product for Ruoff Mortgage is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Ruoff Mortgage?
"Trouble during payment process" is the single most frequently cited issue in complaints against Ruoff Mortgage - see all issues and counts above.
How do I file a complaint against Ruoff Mortgage?
You can file a complaint against Ruoff Mortgage directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Ruoff Mortgage?
The CFPB has recorded complaints against Ruoff Mortgage from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Ruoff Mortgage: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (25% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Ruoff Mortgage have?
Ruoff Mortgage has 50 total consumer complaints filed with the CFPB, with 12 filed in the last 12 months.
Does Ruoff Mortgage respond to complaints on time?
Ruoff Mortgage's CFPB timely-response rate is 98%. This is considered excellent.
What product generates the most complaints for Ruoff Mortgage?
The most complained-about product for Ruoff Mortgage is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Ruoff Mortgage?
"Trouble during payment process" is the single most frequently cited issue in complaints against Ruoff Mortgage - see all issues and counts above.
How do I file a complaint against Ruoff Mortgage?
You can file a complaint against Ruoff Mortgage directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Ruoff Mortgage?
The CFPB has recorded complaints against Ruoff Mortgage from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.