Ruoff Mortgage
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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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Andy

97.67%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Allisyn S.

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

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.

Trevor L.

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

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

Joseph N.

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

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.

Barry Andrew H.

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

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

Brandon J.

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

Andy was very helpful and made everything easy to understand!

Nyisha L R.

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

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

Jordan D E.

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

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!

Michelle L. M.

Muncie, IN, May 4, 2026, 4:28 PM

Everything was perfect! Andy is a true professional and provides excellent customer service!

Allisyn S.

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

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.

Trevor L.

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

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

Joseph N.

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

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.

Barry Andrew H.

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

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

Brandon J.

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

Andy was very helpful and made everything easy to understand!

Nyisha L R.

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

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

Jordan D E.

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

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!

Michelle L. M.

Muncie, IN, May 4, 2026, 4:28 PM

Everything was perfect! Andy is a true professional and provides excellent customer service!

Grace Elizabeth H.

Muncie, IN, Apr 24, 2026, 3:10 PM

Andy made the whole loan process super easy! He walked us through every step and made it easy to understan!

Shawna L N.

Muncie, IN, Apr 24, 2026, 1:15 PM

Making me understand everything

Jeremy W.

Muncie, IN, Feb 27, 2026, 8:08 PM

Andy was extremely helpful and his communication, transparency, and knowledge is second to none!

Ashley D W.

Muncie, IN, Feb 27, 2026, 5:22 PM

I couldn't be happier with my refinance experience! From start to finish, the entire process was incredibly smooth and stress-free. Our loan officer was knowledgeable, attentive, and genuinely took the time to walk us through every step — always quick to respond and easy to reach whenever we had questions. What really stood out was how seamless the communication was throughout. We were never left wondering what was happening or what came next. If you're considering a refinance, I wholeheartedly recommend this team. They made what can feel like an overwhelming process feel effortless. We're so grateful and will absolutely be returning customers!

Kendra M.

Muncie, IN, Feb 13, 2026, 8:07 PM

Andy is amazing! This is our second time working with him and we appreciate his excellent service . Thanks Andy.

William Benjamin N.

Hartford City, IN, Jan 21, 2026, 10:03 PM

The timely communication and detailed information provided was amazing! I never wondered "What is going on?" during the process.

Jesse J H.

MUNCIE, IN, Jan 20, 2026, 6:44 PM

Andy Thorpe was very responsive and helpful through the entirety of the loan process. If I had a question, I would have an answer within the hour. I will be reccomending him to all friends and family needing a mortgage!

Hallee A.

Muncie, IN, Nov 25, 2025, 5:02 PM

We were able to close on our house almost a week early because everyone worked effortlesly to ensure all that was needed done got done. We are so thankful for the continuous resources available to us during and after this process!

Grace Elizabeth H.

Muncie, IN, Apr 24, 2026, 3:10 PM

Andy made the whole loan process super easy! He walked us through every step and made it easy to understan!

Shawna L N.

Muncie, IN, Apr 24, 2026, 1:15 PM

Making me understand everything

Jeremy W.

Muncie, IN, Feb 27, 2026, 8:08 PM

Andy was extremely helpful and his communication, transparency, and knowledge is second to none!

Ashley D W.

Muncie, IN, Feb 27, 2026, 5:22 PM

I couldn't be happier with my refinance experience! From start to finish, the entire process was incredibly smooth and stress-free. Our loan officer was knowledgeable, attentive, and genuinely took the time to walk us through every step — always quick to respond and easy to reach whenever we had questions. What really stood out was how seamless the communication was throughout. We were never left wondering what was happening or what came next. If you're considering a refinance, I wholeheartedly recommend this team. They made what can feel like an overwhelming process feel effortless. We're so grateful and will absolutely be returning customers!

Kendra M.

Muncie, IN, Feb 13, 2026, 8:07 PM

Andy is amazing! This is our second time working with him and we appreciate his excellent service . Thanks Andy.

William Benjamin N.

Hartford City, IN, Jan 21, 2026, 10:03 PM

The timely communication and detailed information provided was amazing! I never wondered "What is going on?" during the process.

Jesse J H.

MUNCIE, IN, Jan 20, 2026, 6:44 PM

Andy Thorpe was very responsive and helpful through the entirety of the loan process. If I had a question, I would have an answer within the hour. I will be reccomending him to all friends and family needing a mortgage!

Hallee A.

Muncie, IN, Nov 25, 2025, 5:02 PM

We were able to close on our house almost a week early because everyone worked effortlesly to ensure all that was needed done got done. We are so thankful for the continuous resources available to us during and after this process!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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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

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

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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

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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.