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Picture of Chris DeMuth
Picture of Chris DeMuth

Hi, I'm Chris!

VP | Branch Manager

I will work hard to help you achieve your homeownership goals.

99.74% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Chris!

VP | Branch Manager

I will work hard to help you achieve your homeownership goals.

99.74% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is rooted in respect, honesty, and the commitment to making the homebuying experience as stress-free as possible. I firmly believe that purchasing a new home is a significant decision that should be handled with the utmost care. My goal is to simplify this decision for every client by providing trustworthy guidance, open communication, and reliable advice.

I've had a diverse professional journey that has shaped my career in the mortgage industry. Prior to switching to the mortgage industry in 2008, I spent 12 years as a licensed Realtor, specializing in sales and sales management in the home building industry. This experience has given me a unique perspective on the real estate market and a deep understanding of the information and communication necessary for a seamless transaction.

As a lifelong Louisville native, I have a strong connection to the community and a deep understanding of its history and future. I attended Trinity High School and Bellarmine University, where I was part of the soccer teams at both institutions. I grew up with my five siblings in St. Matthews, and I still call it home, along with my wife, Rachel, our son, Noah, and our fun-loving dog, Finn.

Outside of work, my wife, Rachel, and I are avid travelers, often enjoying hiking, camping, and exploring new places. Rachel is a dedicated runner and cyclist who has even competed in Ironman triathlons. Our son, Noah, is a competitive mountain biker and has raced in the US National Championships over the past few years. Many of our travels are centered around supporting their athletic endeavors, taking us to exciting places and events, and creating cherished family memories.

In terms of recognition, I'm proud to have received the 2021 Branch Manager of the Year award for Ruoff Mortgage. Additionally, I've been named the Loan Originator of the Year for the Ruoff Mortgage Louisville Branch in 2020, 2021, and 2022, a clear testament to my dedication and performance. I've also consistently ranked among the top producers, as acknowledged by the Mortgage Bankers of Louisville in 2020, 2021, and 2022.

Looking forward, I'm excited about the future of the mortgage industry and the opportunities for growth and innovation. My dedication remains focused on expanding our services at the Louisville branch, helping as many individuals as possible achieve their dreams of homeownership.

If you have any questions about mortgage lending or real estate, or if you'd like to discuss your financial goals, please feel free to reach out to me.You can contact me at 502-777-6267 or chris.demuth@ruoff.com. You can also find me on LinkedIn or on Facebook. I'm always here to provide you with expert guidance on your journey to homeownership.

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President's Club Member

President's club seal 2020

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Hear from people like you*

  • Chris DeMuth was excellent in every way. He is clearly very intelligent and cares about his clients. Chris was responsive, patient, and helpful. He kept us apprised of the status of our loan, explained everything in sufficient detail, and clearly answered all our questions. He made the process, the loan itself, and the whole experience (from application to closing) seamless and pleasant. Based on our experience with Chris DeMuth, we recommended Ruoff Mortgage to a family member in another state.

    Kelly G, happy client
  • Chris is incredibly knowledgeable, responsive, and enjoyable to work with. This is my second loan with him and I'm looking forward to more in the future!

    Amber C, happy client
  • Chris is our champion. He always had time for me to pick his brain, explain what the market is doing, what to look out for etc. Long story short, he was always able to provide the answers a person with a MS Finance degree who works in Investment Banking could come up with. Big THANKS Chris!

    Gottfried L, happy client
  • Chris kept us up to date with everything. I could ask any questions, and Chris would be there for the answers. He was very knowledgeable and was a fantastic person guiding us through the entire loan process. I will definitely recommend his services in the future.

    Michael S, happy client
  • Chris and I spoke several times on the phone about what to expect ahead of time, and he personally reached out on several occasions when an important email was sent or a document was ready to be signed. He was consistently patient when explaining things to me, and I always felt comfortable asking him questions. I now have an amazing home, I cannot thank Chris enough for his above-and-beyond assistance in purchasing it.

    Evan W R, happy client
  • The communication about every detail is something I appreciate about the Ruoff Mortgage process. In the current market, multiple bids on a potential home is the norm; I placed five bids before I found my home and Chris DeMuth was always there through every step and experience with sound information and support. I can’t imagine going through this process without Chris DeMuth on my team.

    Jennifer G, happy client
  • Chris was amazing! I cannot say enough good things about him. I felt like I had a personal friend helping me with the process! The level of service and his knowledge at every step was the best I have ever received. Thank you!

    Teresa S, happy client
  • Chris is fantastic- he really goes above and beyond for his clients. He is extremely knowledgeable about rates and the mortgage process. He is patient and kind. I am thankful I had the opportunity to work with him.

    Katherine R H, happy client
  • Chris Demuth is fantastic. This is the third time we have worked with him to purchase. He is thorough and patient and explains all aspects of the process. He is quick to respond and takes the time to get to know who he works with.

    Katherine B, happy client
  • Chris was very helpful. This is the second loan with him and I am very pleased. He will definitely get any business I have in the future. Thanks Chris.

    Ronald L K, happy client
  • Chris was pretty much perfect! Our experience with him and Ruoff was great! We were kept up to date with everything and even educated along the way. We would definitely work with him again and recommend him to all our family and friends! Thanks Chris and the Ruoff team!

    Pakou H, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score.*


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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