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Karen Zank

Senior Loan Officer

NMLS: 451592

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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Karen

97.22%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Chelsea B K.

Angola, IN, Jul 5, 2026, 3:04 PM

5.0

Everything went smoothly and fast!

Review 2

Lori S.

Angola, IN, May 23, 2026, 4:58 PM

5.0

Karen is the gold standard in lending. My husband and I have known her for years and wouldn't go to anyone else. She is super responsive and intelligent. She honestly cares about her clients. I can't say enough good things about her. If you don't get along with Karen, you may want to re-evaluate yourself.

Review 3

David Hal K.

Fort Wayne, IN, Apr 9, 2026, 1:57 AM

5.0

Karen was thru it all with us I am very thankful that she was able to get our loan pushed very fast and get us in our our new home.

Review 4

Trevor W A.

Butler, IN, Apr 5, 2026, 3:23 PM

5.0

Karen and Lacy were both great. They were clear in communication, and both responded promptly to any questions I had. They made the loan process very simple.

Review 5

Michael Lee H.

Angola, IN, Apr 3, 2026, 3:07 PM

5.0

Karen was very proactive and helpful. She made sure things were done on time and reminding us of anything needed. If we ever buy a house again we'd use Karen again.

Review 6

Alyssa H.

Angola, IN, Mar 19, 2026, 6:32 PM

5.0

Love working with Karen! She has always made everything very clear and answers all my questions very quickly.

Review 1

Chelsea B K.

Angola, IN, Jul 5, 2026, 3:04 PM

5.0

Everything went smoothly and fast!

Review 2

Lori S.

Angola, IN, May 23, 2026, 4:58 PM

5.0

Karen is the gold standard in lending. My husband and I have known her for years and wouldn't go to anyone else. She is super responsive and intelligent. She honestly cares about her clients. I can't say enough good things about her. If you don't get along with Karen, you may want to re-evaluate yourself.

Review 3

David Hal K.

Fort Wayne, IN, Apr 9, 2026, 1:57 AM

5.0

Karen was thru it all with us I am very thankful that she was able to get our loan pushed very fast and get us in our our new home.

Review 4

Trevor W A.

Butler, IN, Apr 5, 2026, 3:23 PM

5.0

Karen and Lacy were both great. They were clear in communication, and both responded promptly to any questions I had. They made the loan process very simple.

Review 5

Michael Lee H.

Angola, IN, Apr 3, 2026, 3:07 PM

5.0

Karen was very proactive and helpful. She made sure things were done on time and reminding us of anything needed. If we ever buy a house again we'd use Karen again.

Review 6

Alyssa H.

Angola, IN, Mar 19, 2026, 6:32 PM

5.0

Love working with Karen! She has always made everything very clear and answers all my questions very quickly.

Review 7

Emily M.

Angola, IN, Dec 30, 2025, 4:22 PM

5.0

Karen was very communicative and I found that she went above and beyond to keep me informed througout my homebuying process. She helped me find the best loan options for me and I will definitely use her for any future loans I may need.

Review 8

Shannon L S.

FREMONT, IN, Nov 27, 2025, 6:25 PM

5.0

Communication was great , Karen answered text even on weekends and evenings. I loved the experience with this company. A big weight lifted off my shoulders.

Review 9

Janice M. L.

Angola, IN, Nov 18, 2025, 5:47 PM

5.0

Very knowledgeable and patient people. To them no question was dumb and that was greatly appreciated

Review 10

Tod L P.

Angola, IN, Nov 15, 2025, 6:08 PM

5.0

Great organization and communication

Review 11

Andres L.

Angola, IN, Oct 24, 2025, 5:48 PM

5.0

ruoff team worked very quickly from getting me approved , all the way till closing.

Review 12

John W W.

Angola, IN, Sep 22, 2025, 3:30 PM

5.0

The whole process with Karen was fast and stress free!

Review 13

Michael L G.

Orland, IN, Sep 2, 2025, 3:11 PM

5.0

Great communication

Review 7

Emily M.

Angola, IN, Dec 30, 2025, 4:22 PM

5.0

Karen was very communicative and I found that she went above and beyond to keep me informed througout my homebuying process. She helped me find the best loan options for me and I will definitely use her for any future loans I may need.

Review 8

Shannon L S.

FREMONT, IN, Nov 27, 2025, 6:25 PM

5.0

Communication was great , Karen answered text even on weekends and evenings. I loved the experience with this company. A big weight lifted off my shoulders.

Review 9

Janice M. L.

Angola, IN, Nov 18, 2025, 5:47 PM

5.0

Very knowledgeable and patient people. To them no question was dumb and that was greatly appreciated

Review 10

Tod L P.

Angola, IN, Nov 15, 2025, 6:08 PM

5.0

Great organization and communication

Review 11

Andres L.

Angola, IN, Oct 24, 2025, 5:48 PM

5.0

ruoff team worked very quickly from getting me approved , all the way till closing.

Review 12

John W W.

Angola, IN, Sep 22, 2025, 3:30 PM

5.0

The whole process with Karen was fast and stress free!

Review 13

Michael L G.

Orland, IN, Sep 2, 2025, 3:11 PM

5.0

Great communication

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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Karen Zank

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.

President's Club Award

President's Club

2x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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, Michigan

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.