I think Rufus is a red-head, in fact, I thought they maybe pointed that out some time in the game, but I don't feel like looking for it, and I'm not 100% sure.

Rude... I think he's white, with just darker (tanner) skin. He looks more Asian to me, than anything. He looks like someone that'd be from the Yakuza. He's not quite black, though. Just compare him to Barret.