Name

Ruhl Mortgage

Legal name

Ruhl Mortgage, LLC

Website

https://ruhlmortgage.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

Cash-Out Refinance Origination (FSALAAAF), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing
• Government-backed loans
• Down payment assistance

Headquarters

HQ city

Moline

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Ruhl Mortgage generates revenue through originating mortgage loans including purchase loans and refinances. Revenue comes from origination fees charged to borrowers, interest income on loans held in portfolio, and fees associated with various loan programs including FHA, VA, USDA, and conventional loans.
2. Portfolio and Bridge Loans: The company offers portfolio, bridge and new construction loans through partnership with Quad City Bank & Trust, generating revenue through origination and servicing of these specialized loan products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Ruhl Mortgage, LLC originates residential home loans including purchase mortgages and refinances across Iowa, Illinois, and Wisconsin. The company provides a comprehensive suite of mortgage products: fixed-rate, adjustable-rate, FHA, VA, USDA, and conventional loans, plus specialized vacation home and rehab financing, and partners with Quad City Bank & Trust to offer portfolio, bridge, and new construction loans. Down payment and closing cost assistance programs are delivered through Iowa Finance Authority and Illinois Housing Development Authority partnerships.

Product overview

Ruhl Mortgage offers a comprehensive suite of mortgage lending products and services. The core offerings include Fixed Rate Mortgages and Adjustable Rate Mortgages (ARMs) as the primary loan products. Government-backed options include FHA Mortgages, VA Home Loans, and USDA Rural Loans. The company also provides specialized products such as Vacation Home Loans and Rehab Loans for property renovation. Additionally, Ruhl Mortgage offers down payment and closing cost assistance programs through partnerships with Iowa Finance Authority (FirstHome, Homes for Iowans) and Illinois Housing Development Authority (IHDAccess programs). Online digital tools including mortgage calculators are available for borrower planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage A mortgage loan with an interest rate that remains fixed for the entire loan term, providing consistent monthly payments and protection against rate fluctuations. Available to homebuyers and refinancing borrowers.
• Adjustable Rate Mortgage (ARM) A mortgage loan with an interest rate that can change at predetermined intervals based on market conditions, offering lower initial rates compared to fixed-rate mortgages. Designed for borrowers who expect to move or refinance before rate adjustments.
• FHA Mortgage A government-insured mortgage backed by the Federal Housing Administration, allowing borrowers to qualify with lower down payments (as low as 3.5%) and more flexible credit requirements. Targeted at borrowers who may not qualify for conventional financing due to lower credit scores or smaller down payments.
• VA Home Loan A mortgage program for eligible veterans, servicemembers, and surviving spouses, backed by the Department of Veterans Affairs, offering $0 down payment and no private mortgage insurance. Supports home purchase, refinance, and cash-out financing.
• USDA Home Loan A government-insured rural development loan offering 100% financing for qualified buyers in eligible rural and suburban areas, with no money down required. Designed for buyers purchasing homes in USDA-designated rural locations.
• Conventional Mortgage Standard mortgage loans not insured by government agencies, typically requiring higher down payments but offering competitive rates for well-qualified borrowers. Available for primary residences, second homes, and investment properties.
• Iowa Finance Authority Programs Down payment and closing cost assistance programs for Iowa homebuyers, including FirstHome and Homes for Iowans programs with grants and forgivable loans. Provides state-backed housing affordability support.
• IHDA Programs Illinois Housing Development Authority assistance programs including Opening Doors, IHDAccess Forgivable, IHDAccess Deferred, and IHDAccess Repayable options for down payment and closing cost assistance. Designed for Illinois homebuyers.
• Vacation Home Loan Financing options for purchasing a second home or vacation property, with options for using existing equity or conventional loans with as little as 10% down. Designed for buyers seeking non-primary residences.
• Rehab Loan A property restoration loan allowing borrowers to purchase or refinance a home while completing renovation projects, available for primary residences and investment properties in Scott and Rock Island Counties. Funded through Quad City Bank & Trust partnership.
• Portfolio, Bridge, and New Construction Loans Specialized loan products offered through partnership with Quad City Bank & Trust, including portfolio loans, bridge loans, and new construction loans beyond standard mortgage programs. Available to customers needing flexible or short-term financing solutions.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Quad City Bank & TrustcoreStrategic or Co-development PartnerQuad City Bank & Trust partners with Ruhl Mortgage to offer portfolio, bridge, and new construction loans. The bank has over $1.6 billion in assets and 150 employees across five Quad City locations. This partnership enables Ruhl Mortgage to offer specialized loan products beyond standard mortgage programs, providing customers with comprehensive financing options including construction lending.
• Ruhl&Ruhl RealtorscoreChannel Partner/ Reseller/ DistributorRuhl&Ruhl Realtors is a family-owned real estate company since 1862 with 325 sales associates, 65 employees, and 14 offices across Iowa, Illinois, and Wisconsin. They sell more than 5,400 homes annually and serve as the primary referral source for Ruhl Mortgage customers seeking integrated home buying and financing services. Both companies share common philosophies of being relationship-driven and focused on extraordinary customer service.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender with a digital-first national platform. Operates in the same residential mortgage origination category as Ruhl but competes primarily on speed, brand, and digital UX rather than local relationships.
• Caliber Home Loans (Newrez): Large national retail and correspondent mortgage lender. Competes with Ruhl in conventional, government, and refinance products, particularly for purchase business sourced through real estate agent relationships.
• loanDepot: National retail and wholesale mortgage lender offering conventional and government loan products. A broad incumbent competitor across the same product categories Ruhl Mortgage offers, including FHA, VA, and conventional purchase and refinance.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, also offering retail and broker-direct products. Competitor in the same residential origination space; UWM is a broad incumbent against which smaller originators like Ruhl compete for loan officer production.

Direct peers

• Guild Mortgage: Retail mortgage banker offering conventional, government, and specialized loan products through branch-based loan officers. Comparable in product breadth, retail distribution model, and community-lender positioning.
• New American Funding: Retail mortgage lender with a strong focus on government, non-QM, and first-time homebuyer products, including multilingual capabilities. Mirrors Ruhl's diverse product suite and underserved-buyer focus.
• Movement Mortgage: Retail-focused mortgage banker known for community involvement and a high-volume loan-officer model. Comparable in retail origination approach, government product specialization, and relationship-driven GTM.
• Fairway Independent Mortgage Corporation: Large retail-focused mortgage banker with a comparable model of relationship-driven loan officers and broad product mix including FHA/VA/USDA. Closely mirrors Ruhl's retail/consumer-direct origination approach, just at national scale.
• Academy Mortgage: Community-oriented retail mortgage lender with strong FHA/VA/USDA expertise and a relationship-driven loan-officer model. Highly comparable in target customer, product mix, and local-market focus.
• PrimeLending: Retail mortgage originator with a wide product suite including FHA, VA, USDA, renovation, and new construction, distributed through branch loan officers. Same retail/consumer-direct origination motion as Ruhl.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ruhlmtg

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ruhl Mortgage