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Laura Ritchie

Senior Loan Officer

NMLS: 1278195 | OH: MLO-OH.1278195

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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Laura

99.6%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner AwardPresident's Club Award

Awards

Proudly serving Indiana, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Review 1

Hannah H.

Columbia City, IN, Jul 9, 2026, 9:26 PM

5.0

Laura was my rock through this entire process and really came through for me. This purchase was time sensitive and had unexpected turns and she got me through it unbelievably smooth! That's 2 outta 2 good experiences with Ruoff, if I do anymore purchases in the future I'll definitely be calling them again.

Review 2

Cole Allen Edward H.

Fort Wayne, IN, Jun 16, 2026, 3:01 PM

5.0

been to Laura MULTIPLE times always does a pheno job couldn't recommend her more

Review 3

Malena R.

Kouts, IN, Jun 9, 2026, 3:07 PM

5.0

tthis my third time working with Laura and it's been an absolute pleasure working with her every single time! She makes everything so fun and easy, and she never hesitates to answer any of my questions, even if they seem dumb.

Review 4

Matthew E H.

Huntington, IN, May 24, 2026, 7:02 PM

5.0

Laura made everything super easy and was very knowledgeable, trustworthy, and quick to get back with me through the whole process.

Review 5

Cassandra K. G.

Fort Wayne, IN, Feb 16, 2026, 8:46 PM

5.0

Laura is extremely knowledgeable, friendly, helpful, and easy to talk to. She provided me with all the necessary information I needed for my loan. She went above and beyond to address my questions and concerns. She's also a great therapist! 😊 I would strongly recommend her to anyone looking for a loan office!

Review 6

Kaylie L.

Andrews, IN, Jan 24, 2026, 1:49 AM

5.0

Laura's effort to insure our first time home buying experience went smoothly was second to none. We couldn't be more proud to have worked with Laura.

Review 1

Hannah H.

Columbia City, IN, Jul 9, 2026, 9:26 PM

5.0

Laura was my rock through this entire process and really came through for me. This purchase was time sensitive and had unexpected turns and she got me through it unbelievably smooth! That's 2 outta 2 good experiences with Ruoff, if I do anymore purchases in the future I'll definitely be calling them again.

Review 2

Cole Allen Edward H.

Fort Wayne, IN, Jun 16, 2026, 3:01 PM

5.0

been to Laura MULTIPLE times always does a pheno job couldn't recommend her more

Review 3

Malena R.

Kouts, IN, Jun 9, 2026, 3:07 PM

5.0

tthis my third time working with Laura and it's been an absolute pleasure working with her every single time! She makes everything so fun and easy, and she never hesitates to answer any of my questions, even if they seem dumb.

Review 4

Matthew E H.

Huntington, IN, May 24, 2026, 7:02 PM

5.0

Laura made everything super easy and was very knowledgeable, trustworthy, and quick to get back with me through the whole process.

Review 5

Cassandra K. G.

Fort Wayne, IN, Feb 16, 2026, 8:46 PM

5.0

Laura is extremely knowledgeable, friendly, helpful, and easy to talk to. She provided me with all the necessary information I needed for my loan. She went above and beyond to address my questions and concerns. She's also a great therapist! 😊 I would strongly recommend her to anyone looking for a loan office!

Review 6

Kaylie L.

Andrews, IN, Jan 24, 2026, 1:49 AM

5.0

Laura's effort to insure our first time home buying experience went smoothly was second to none. We couldn't be more proud to have worked with Laura.

Review 7

Eric M F.

Fort Wayne, IN, Dec 27, 2025, 7:47 PM

5.0

Laura and her team made the process seamless and easy. We were given updates every step of the way and are very appreciative of the flawless communication we received!

Review 8

Lucas M M.

Avilla, IN, Nov 30, 2025, 4:11 PM

5.0

I never felt like i couldn't always call text or email all of the many many questions I had. They also were answered with a very quick respons.

Review 9

Diane C G.

Fort Wayne, IN, Nov 10, 2025, 11:14 PM

5.0

Laura is a gem to work with. She made the process super smooth. I appreciate her!

Review 10

Alex B S.

FORT WAYNE, IN, Nov 8, 2025, 1:31 AM

5.0

We have used Ruoff a couple times now. Both times have been amazing when it comes to it being quick and to the point. Any questions are answered and everything is handled in a timely manner. Laura is also what makes this all great too so don't forget that.

Review 11

Matthew L. K.

Columbia City, IN, Nov 4, 2025, 9:07 PM

5.0

Laure was fantastic to work with. We encountered a nubmer of hurdles and every time, she was quick to reach out and give solutions to overcome the obstacles. We truly felt that she had our best interest in mind through the whole process

Review 12

Jesse T M.

Fort Wayne, IN, Oct 7, 2025, 3:54 PM

5.0

I noticed there was no #2 question .

Review 13

Eric M.

Columbia City, IN, Oct 7, 2025, 3:11 PM

5.0

Laura was fantastic! Helpful and quick with responses. She let us know every step of the process

Review 7

Eric M F.

Fort Wayne, IN, Dec 27, 2025, 7:47 PM

5.0

Laura and her team made the process seamless and easy. We were given updates every step of the way and are very appreciative of the flawless communication we received!

Review 8

Lucas M M.

Avilla, IN, Nov 30, 2025, 4:11 PM

5.0

I never felt like i couldn't always call text or email all of the many many questions I had. They also were answered with a very quick respons.

Review 9

Diane C G.

Fort Wayne, IN, Nov 10, 2025, 11:14 PM

5.0

Laura is a gem to work with. She made the process super smooth. I appreciate her!

Review 10

Alex B S.

FORT WAYNE, IN, Nov 8, 2025, 1:31 AM

5.0

We have used Ruoff a couple times now. Both times have been amazing when it comes to it being quick and to the point. Any questions are answered and everything is handled in a timely manner. Laura is also what makes this all great too so don't forget that.

Review 11

Matthew L. K.

Columbia City, IN, Nov 4, 2025, 9:07 PM

5.0

Laure was fantastic to work with. We encountered a nubmer of hurdles and every time, she was quick to reach out and give solutions to overcome the obstacles. We truly felt that she had our best interest in mind through the whole process

Review 12

Jesse T M.

Fort Wayne, IN, Oct 7, 2025, 3:54 PM

5.0

I noticed there was no #2 question .

Review 13

Eric M.

Columbia City, IN, Oct 7, 2025, 3:11 PM

5.0

Laura was fantastic! Helpful and quick with responses. She let us know every step of the process

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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Laura Ritchie

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.

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, Ohio

Laura Ritchie

Senior Loan Officer

NMLS: 1278195

OH: MLO-OH.1278195

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.