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Charlie Morgan

VP | Branch Manager

NMLS: 1599574 | OH: MLO-OH.1599574

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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Charlie

99.25%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner Award

Awards

Proudly serving North Carolina, Ohio, South Carolina

Meet our happy homeowners***

View All Testimonials

Review 1

Judith A G.

New Albany, OH, Aug 23, 2026, 2:17 AM

5.0

Knowledgeable/ Able to streamline process / priority to complete closing as scheduled/ Friendly and easy to work with/ Available to clients is high priority

Review 2

Brehanna S.

Columbus, OH, Aug 24, 2026, 3:15 PM

5.0

Charlie made the entire experience really easy and enjoyable. He was friendly, helpful, and took the time to answer questions without ever making the process feel rushed or pressured. Everything was communicated clearly, and I felt like I was genuinely being taken care of rather than just being treated like another customer. It was a great experience overall and definitely the kind of service that leaves a good impression.

Review 3

Hannah H.

Columbus, OH, Aug 22, 2026, 4:06 AM

5.0

Charlie helped my home buying experience be as easy and painless as possible. Seeing as this was my frist time I wasn't familiar with the process and he answered all my questions and explained things well that put me at ease. closing costs were significantly lower than original estimate which he informed me was most likely the case but it was fantastic to see that in the end. All in all, I would recommend Charlie to others.

Review 4

Thomas W.

CANTON, OH, Aug 10, 2026, 3:04 PM

5.0

This is our second time buying a home through Ruoff and working with Charlie. He's very pleasant and tries to get everything done as efficiently and quickly as possible. We hope to stay in this home a long time, but when it comes time for us to move again, we will definitely choose Charlie and his team!

Review 5

Michael R A.

Johnstown, OH, Aug 6, 2026, 3:04 PM

5.0

Charlie and his team was always availe to answer questions via call or text day and night. They worked hard to get through the loan process fast and efficiantly. Couldnt have asked for a better team

Review 6

Edward R. B.

Westerville, OH, Jun 9, 2026, 4:17 PM

5.0

Charlie's communicaion and knowledge kept us prepared for everything. No surprises. He and the team keep up moving and on task; went above and beyond to ensure positive experience.

Review 1

Judith A G.

New Albany, OH, Aug 23, 2026, 2:17 AM

5.0

Knowledgeable/ Able to streamline process / priority to complete closing as scheduled/ Friendly and easy to work with/ Available to clients is high priority

Review 2

Brehanna S.

Columbus, OH, Aug 24, 2026, 3:15 PM

5.0

Charlie made the entire experience really easy and enjoyable. He was friendly, helpful, and took the time to answer questions without ever making the process feel rushed or pressured. Everything was communicated clearly, and I felt like I was genuinely being taken care of rather than just being treated like another customer. It was a great experience overall and definitely the kind of service that leaves a good impression.

Review 3

Hannah H.

Columbus, OH, Aug 22, 2026, 4:06 AM

5.0

Charlie helped my home buying experience be as easy and painless as possible. Seeing as this was my frist time I wasn't familiar with the process and he answered all my questions and explained things well that put me at ease. closing costs were significantly lower than original estimate which he informed me was most likely the case but it was fantastic to see that in the end. All in all, I would recommend Charlie to others.

Review 4

Thomas W.

CANTON, OH, Aug 10, 2026, 3:04 PM

5.0

This is our second time buying a home through Ruoff and working with Charlie. He's very pleasant and tries to get everything done as efficiently and quickly as possible. We hope to stay in this home a long time, but when it comes time for us to move again, we will definitely choose Charlie and his team!

Review 5

Michael R A.

Johnstown, OH, Aug 6, 2026, 3:04 PM

5.0

Charlie and his team was always availe to answer questions via call or text day and night. They worked hard to get through the loan process fast and efficiantly. Couldnt have asked for a better team

Review 6

Edward R. B.

Westerville, OH, Jun 9, 2026, 4:17 PM

5.0

Charlie's communicaion and knowledge kept us prepared for everything. No surprises. He and the team keep up moving and on task; went above and beyond to ensure positive experience.

Review 7

Kelly L. B.

Westerville, OH, Jun 9, 2026, 3:11 PM

5.0

Working with Charlie was more like working with family. He was very responsive kind and respectful. You don't move every day so making these life decisions with a trusted partner is essential. I would recommend him to everyone I know.

Review 8

Evangeline G.

Asheville, NC, May 18, 2026, 1:09 AM

5.0

Always a pleasure working Charlie!

Review 9

Conley B.

Dublin, OH, Mar 31, 2026, 3:02 PM

5.0

Charlie is the man! Very timely with our deadlines and made the whole process very simple!

Review 10

Hadley B.

Dublin, OH, Mar 30, 2026, 4:49 PM

5.0

Charlie was great during the entire experience! was so easy to communicate with and guided us along our mortgage journey with ease! Grateful to have worked with him during our home buying experience! was very pleasant :)

Review 11

Zoe C.

Columbus, OH, Mar 24, 2026, 3:40 PM

5.0

Ruoff was great to work with! They made everything such a seamless experience and were very responsive and helpful with any questions!

Review 12

Braden P.

Worthington, OH, Mar 11, 2026, 3:46 PM

5.0

Smoothest loan experience I could imagine - Charlie was wonderful to work with.

Review 13

Natasha Krystofik P.

Worthington, OH, Mar 8, 2026, 6:22 PM

5.0

Clear & efficient communication and instruction

Review 7

Kelly L. B.

Westerville, OH, Jun 9, 2026, 3:11 PM

5.0

Working with Charlie was more like working with family. He was very responsive kind and respectful. You don't move every day so making these life decisions with a trusted partner is essential. I would recommend him to everyone I know.

Review 8

Evangeline G.

Asheville, NC, May 18, 2026, 1:09 AM

5.0

Always a pleasure working Charlie!

Review 9

Conley B.

Dublin, OH, Mar 31, 2026, 3:02 PM

5.0

Charlie is the man! Very timely with our deadlines and made the whole process very simple!

Review 10

Hadley B.

Dublin, OH, Mar 30, 2026, 4:49 PM

5.0

Charlie was great during the entire experience! was so easy to communicate with and guided us along our mortgage journey with ease! Grateful to have worked with him during our home buying experience! was very pleasant :)

Review 11

Zoe C.

Columbus, OH, Mar 24, 2026, 3:40 PM

5.0

Ruoff was great to work with! They made everything such a seamless experience and were very responsive and helpful with any questions!

Review 12

Braden P.

Worthington, OH, Mar 11, 2026, 3:46 PM

5.0

Smoothest loan experience I could imagine - Charlie was wonderful to work with.

Review 13

Natasha Krystofik P.

Worthington, OH, Mar 8, 2026, 6:22 PM

5.0

Clear & efficient communication and instruction

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Charlie Morgan

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

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 North Carolina, Ohio, South Carolina

Charlie Morgan

VP | Branch Manager

NMLS: 1599574

OH: MLO-OH.1599574

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.