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Andy Thorpe

Senior Loan Officer

NMLS: 1301352

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.
Andy

97.81%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Daniel L. R.

Yorktown, IN, Oct 11, 2026, 3:15 PM

5.0

Andrew was exceptional at staying in touch w my questions!!

Review 2

Joseph N.

Muncie, IN, Apr 18, 2024, 5:27 PM

5.0

It was really nice working with Andy. He’s a great guy and definitely gets with you as soon as he can and is very helpful.

Review 3

Trevor L.

Muncie, IN, Apr 15, 2024, 6:48 PM

5.0

Andy was very professional, helped guide me through the loan process and helped with securing some grants that were very helpful!

Review 4

Allisyn S.

Dunkirk, IN, Mar 6, 2024, 4:03 PM

5.0

Andy kept us informed every step of the way and was really working to help us get a good interest rate. Rates have been up and down for awhile and he helped us get a low one as well as advised us on when to close in order to save the most money on closing fees.

Review 5

Cheston R S.

Dunkirk, IN, Nov 10, 2026, 4:08 PM

5.0

Andy helped us get approved and clear to close on TWO homes, and I honestly cannot say enough great things about him! From start to finish, his knowledge, communication, responsiveness, professionalism, and ability to get things done were absolutely outstanding. Navigating the mortgage process can be stressful, but Andy made sure we understood what was happening, kept things moving, and went above and beyond to get us across the finish line. Getting approved is one thing. Getting everything lined up and actually getting to CLEAR TO CLOSE is another, and Andy delivered! What really sets Andy apart is that he doesn’t make you feel like you’re just another loan number. He genuinely cares, takes ownership, answers questions, and makes things happen. Two homes, two approvals, two clear-to-closes, and one absolute ROCKSTAR! If you’re looking for someone who knows his business, gets results, and genuinely has your best interests at heart, Andy Thorpe is your guy. Andy, THANK YOU for everything! You made a potentially stressful process so much easier, and we couldn’t be more appreciative. Five trillion stars wouldn’t even begin to cover it!

Review 6

Keith A K.

Gaston, IN, Oct 31, 2026, 3:58 PM

5.0

Detailed information

Review 7

Melanie M.

Muncie, IN, Apr 10, 2025, 12:13 AM

5.0

As first time homebuyers, the process can seem daunting, but Andy was incredibly personable and his knowledge and ability to explain hows and whys in a manner that was easy to comprehend made the process a breeze!

Review 8

Barry Andrew H.

Muncie, IN, Jul 10, 2026, 6:18 PM

5.0

Andy knows his stuff and is great to work with, that is why I refer him to all my clients as well.

Review 1

Daniel L. R.

Yorktown, IN, Oct 11, 2026, 3:15 PM

5.0

Andrew was exceptional at staying in touch w my questions!!

Review 2

Joseph N.

Muncie, IN, Apr 18, 2024, 5:27 PM

5.0

It was really nice working with Andy. He’s a great guy and definitely gets with you as soon as he can and is very helpful.

Review 3

Trevor L.

Muncie, IN, Apr 15, 2024, 6:48 PM

5.0

Andy was very professional, helped guide me through the loan process and helped with securing some grants that were very helpful!

Review 4

Allisyn S.

Dunkirk, IN, Mar 6, 2024, 4:03 PM

5.0

Andy kept us informed every step of the way and was really working to help us get a good interest rate. Rates have been up and down for awhile and he helped us get a low one as well as advised us on when to close in order to save the most money on closing fees.

Review 5

Cheston R S.

Dunkirk, IN, Nov 10, 2026, 4:08 PM

5.0

Andy helped us get approved and clear to close on TWO homes, and I honestly cannot say enough great things about him! From start to finish, his knowledge, communication, responsiveness, professionalism, and ability to get things done were absolutely outstanding. Navigating the mortgage process can be stressful, but Andy made sure we understood what was happening, kept things moving, and went above and beyond to get us across the finish line. Getting approved is one thing. Getting everything lined up and actually getting to CLEAR TO CLOSE is another, and Andy delivered! What really sets Andy apart is that he doesn’t make you feel like you’re just another loan number. He genuinely cares, takes ownership, answers questions, and makes things happen. Two homes, two approvals, two clear-to-closes, and one absolute ROCKSTAR! If you’re looking for someone who knows his business, gets results, and genuinely has your best interests at heart, Andy Thorpe is your guy. Andy, THANK YOU for everything! You made a potentially stressful process so much easier, and we couldn’t be more appreciative. Five trillion stars wouldn’t even begin to cover it!

Review 6

Keith A K.

Gaston, IN, Oct 31, 2026, 3:58 PM

5.0

Detailed information

Review 7

Melanie M.

Muncie, IN, Apr 10, 2025, 12:13 AM

5.0

As first time homebuyers, the process can seem daunting, but Andy was incredibly personable and his knowledge and ability to explain hows and whys in a manner that was easy to comprehend made the process a breeze!

Review 8

Barry Andrew H.

Muncie, IN, Jul 10, 2026, 6:18 PM

5.0

Andy knows his stuff and is great to work with, that is why I refer him to all my clients as well.

Review 9

Boyd Elliott J.

Muncie, IN, Apr 5, 2025, 8:33 PM

5.0

Andy was great! He was friendly, knowledgeable, and worked hard to help us meet our closing date. We're so happy we went with Ruoff!

Review 10

Nathan Caleb M.

Albany, IN, Sep 30, 2026, 4:24 PM

5.0

Andy was phenomenal all the way through the loan process! Very quick, efficient, and informative through the whole process from initial questions to closing day!

Review 11

Lillian Nacole T.

Muncie, IN, Sep 26, 2026, 3:18 PM

5.0

Andy was amazing to work with! He responded to texts/emails very quickly and was super helpful with us navigating buying our first home. Would highly recommend!!

Review 12

Zachary Robert R.

Anderson, IN, Sep 5, 2026, 10:31 PM

5.0

everystep of the way Andy was there no matter what time of day or questions i had he always answered and walked me through the process 10/10 thank you so much Andy we really appreciate you

Review 13

Nicholas C.

Muncie, IN, Aug 24, 2026, 3:07 PM

5.0

Andy's fun and relaxed demeanor paired with his encyclopedic knowledge made it so that out of all of the stressful things to moving actually buying the house was nothing but a joy.

Review 14

Brandon J.

Muncie, IN, Jun 23, 2026, 3:09 PM

5.0

Andy was very helpful and made everything easy to understand!

Review 15

Nyisha L R.

Muncie, IN, May 18, 2026, 4:38 PM

5.0

My experience was thorough, precise, and all around a easy process due to Andy. He listened, made me feel welcome, and all around made purchasing my first home a breeze. Thank you so much

Review 16

Jordan D E.

PENDLETON, IN, May 13, 2026, 3:37 PM

5.0

Andy is great to work with, he goes above and beyond. We have worked with him twice now. He is quick with communication and explains everything with great detail. Highly recommend Andy and his team!

Review 9

Boyd Elliott J.

Muncie, IN, Apr 5, 2025, 8:33 PM

5.0

Andy was great! He was friendly, knowledgeable, and worked hard to help us meet our closing date. We're so happy we went with Ruoff!

Review 10

Nathan Caleb M.

Albany, IN, Sep 30, 2026, 4:24 PM

5.0

Andy was phenomenal all the way through the loan process! Very quick, efficient, and informative through the whole process from initial questions to closing day!

Review 11

Lillian Nacole T.

Muncie, IN, Sep 26, 2026, 3:18 PM

5.0

Andy was amazing to work with! He responded to texts/emails very quickly and was super helpful with us navigating buying our first home. Would highly recommend!!

Review 12

Zachary Robert R.

Anderson, IN, Sep 5, 2026, 10:31 PM

5.0

everystep of the way Andy was there no matter what time of day or questions i had he always answered and walked me through the process 10/10 thank you so much Andy we really appreciate you

Review 13

Nicholas C.

Muncie, IN, Aug 24, 2026, 3:07 PM

5.0

Andy's fun and relaxed demeanor paired with his encyclopedic knowledge made it so that out of all of the stressful things to moving actually buying the house was nothing but a joy.

Review 14

Brandon J.

Muncie, IN, Jun 23, 2026, 3:09 PM

5.0

Andy was very helpful and made everything easy to understand!

Review 15

Nyisha L R.

Muncie, IN, May 18, 2026, 4:38 PM

5.0

My experience was thorough, precise, and all around a easy process due to Andy. He listened, made me feel welcome, and all around made purchasing my first home a breeze. Thank you so much

Review 16

Jordan D E.

PENDLETON, IN, May 13, 2026, 3:37 PM

5.0

Andy is great to work with, he goes above and beyond. We have worked with him twice now. He is quick with communication and explains everything with great detail. Highly recommend Andy and his team!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Andy Thorpe

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******†††‡Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.