Ruoff Mortgage
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Dave

Dave Chmiel

Senior Loan Officer

NMLS: 1019783

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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97.6%

Customer Satisfaction Score.

Scotsman Guide

Awards

13

Years of helping homeowners like you.

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Katherine L.

Fort Wayne, IN, Apr 18, 2024, 3:06 PM

Dave is the best. This is the 2nd time he has helped me get a mortgage. I wouldn't even consider working with anyone else.

Jalyn C G.

Fort Wayne, IN, May 25, 2024, 7:18 PM

Dave was amazing. He picked up after another loan officer with a different company dropped the ball on my mortgage and we still closed a week early. He was responsive, explained everything, answered all my questions, and kept me in the loop through the whole process. I have nothing but good things to say about him and the great people at Ruoff!

Jocelyn B.

Fort Wayne, IN, Jul 5, 2024, 1:22 PM

Dave and the whole team (Ellen, Megan) went above and beyond to keep us informed and to keep our entire home-buying process moving smoothly. Dave even called to update us while he was on vacation! Everyone we worked with at Ruoff was kind, professional, and well-informed.

Veronica A J.

Fort Wayne, IN, Jun 27, 2023, 2:28 PM

Communication was excellent! Helped me through the entire process! I highly recommend!

Judith S.

Feb 12, 2023, 7:24 AM

My husband handled most of the procedures but what I was in was handled very well and Dave was very gracious

Tara R B.

Fort Wayne, IN, Aug 17, 2023, 1:36 PM

Thank you so much

Alexander J H.

Fort Wayne, IN, Sep 12, 2023, 6:07 PM

The loan application portal was very useful and made the process less stressful. Dave was very helpful and answered all of my questions.

Katherine L.

Fort Wayne, IN, Apr 18, 2024, 3:06 PM

Dave is the best. This is the 2nd time he has helped me get a mortgage. I wouldn't even consider working with anyone else.

Jalyn C G.

Fort Wayne, IN, May 25, 2024, 7:18 PM

Dave was amazing. He picked up after another loan officer with a different company dropped the ball on my mortgage and we still closed a week early. He was responsive, explained everything, answered all my questions, and kept me in the loop through the whole process. I have nothing but good things to say about him and the great people at Ruoff!

Jocelyn B.

Fort Wayne, IN, Jul 5, 2024, 1:22 PM

Dave and the whole team (Ellen, Megan) went above and beyond to keep us informed and to keep our entire home-buying process moving smoothly. Dave even called to update us while he was on vacation! Everyone we worked with at Ruoff was kind, professional, and well-informed.

Veronica A J.

Fort Wayne, IN, Jun 27, 2023, 2:28 PM

Communication was excellent! Helped me through the entire process! I highly recommend!

Judith S.

Feb 12, 2023, 7:24 AM

My husband handled most of the procedures but what I was in was handled very well and Dave was very gracious

Tara R B.

Fort Wayne, IN, Aug 17, 2023, 1:36 PM

Thank you so much

Alexander J H.

Fort Wayne, IN, Sep 12, 2023, 6:07 PM

The loan application portal was very useful and made the process less stressful. Dave was very helpful and answered all of my questions.

Alyssa A H.

Fort Wayne, IN, Nov 19, 2023, 1:15 AM

Dave was great to work with!

Randy L W.

Fort Wayne, IN, Dec 27, 2023, 4:39 PM

Any time we had questions about the process of getting our loan, especially the on line parts. Our messages were always answered promptly and made it easy to get through it.

Eileen M W.

Fort Wayne, IN, Dec 28, 2023, 1:10 AM

Everyone was well organized which made it easy through the whole process. Thanks!

Robert L H.

Fort Wayne, IN, Feb 3, 2024, 4:38 PM

Dave Chmiel and Megan Browning kept me up to date with every step of the process and Dave was always available to speak on the phone when I had questions or unique situations to navigate. The "loan butler" was easy to understand and use, and there was minimal duplication of the process after my application was delayed for a few months due to the title company's probate concerns.

Kolby E W.

Fort Wayne, IN, May 7, 2024, 4:00 PM

Very good communication!

Glen D B.

Huntington, IN, Jun 27, 2024, 8:53 PM

Great communication

Susan E B.

Huntington, IN, Jun 30, 2024, 9:48 PM

Easy to deal with vary organized

Alyssa A H.

Fort Wayne, IN, Nov 19, 2023, 1:15 AM

Dave was great to work with!

Randy L W.

Fort Wayne, IN, Dec 27, 2023, 4:39 PM

Any time we had questions about the process of getting our loan, especially the on line parts. Our messages were always answered promptly and made it easy to get through it.

Eileen M W.

Fort Wayne, IN, Dec 28, 2023, 1:10 AM

Everyone was well organized which made it easy through the whole process. Thanks!

Robert L H.

Fort Wayne, IN, Feb 3, 2024, 4:38 PM

Dave Chmiel and Megan Browning kept me up to date with every step of the process and Dave was always available to speak on the phone when I had questions or unique situations to navigate. The "loan butler" was easy to understand and use, and there was minimal duplication of the process after my application was delayed for a few months due to the title company's probate concerns.

Kolby E W.

Fort Wayne, IN, May 7, 2024, 4:00 PM

Very good communication!

Glen D B.

Huntington, IN, Jun 27, 2024, 8:53 PM

Great communication

Susan E B.

Huntington, IN, Jun 30, 2024, 9:48 PM

Easy to deal with vary organized

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

Apply Now
Dave Chmiel

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.

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.