Ruoff Mortgage
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Matt Koch

SVP | Area Manager

NMLS: 858021 | OH: MLO-OH.858021

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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Matt

99.09%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

David L W.

BRATENAHL, OH, Sep 17, 2025, 12:10 AM

From our initial consultation to the final closing, your team was incredibly supportive and knowledgeable. I truly appreciated the personalized attention and guidance you provided, which made navigating the mortgage landscape so much easier. Your expertise helped me understand my options and choose the best path for my financial situation. I am thrilled to have secured my new home, and I know that it wouldn’t have been possible without your hard work and dedication. Thank you.

Jessica L S.

AVON LAKE, OH, Oct 23, 2023, 10:00 AM

Not only was Matt responsive to all of the questions we had, he would routinely check-in to make sure we were doing ok throughout the process and to make sure we didn’t have any outstanding questions. I can’t express how truly grateful we were to have Matt’s expertise throughout this process!

Danielle M D.

Westlake, OH, Aug 30, 2023, 10:38 PM

This was the most efficient and wonderful experience I have ever had purchasing a home. Matt Koch and his team were more than amazing and helpful. I just do not have the words to describe how wonderful everything and everyone was!!!!

Kara Patricia M.

Avon, OH, Jul 28, 2026, 3:39 PM

Matt was exceptional throughout our home buying process! It did not matter if it was a Monday morning or Saturday afternoon, he made himself available to answer all of our questions. We appreciated is honesty, advise and kindness! Will 100% reach back out to work with Matt when we buy another home and recommend him and Ruoff mortgage to friends and family.

Flavian Aurel R.

Westlake, OH, Jul 25, 2026, 3:44 PM

Working with Matt Koch as our loan officer was an outstanding experience from start to finish. We were in lockstep throughout the entire process, and he kept us informed every step of the way. Matt is incredibly pleasant to work with, responsive, knowledgeable, and always made sure we understood what was happening. He made what could have been a stressful process feel simple and straightforward. There were no surprises, no last-minute issues, and everything happened exactly as he explained it would. His professionalism, attention to detail, and proactive communication gave us complete confidence from beginning to end. I would highly recommend Matt to anyone looking for a mortgage professional who truly cares about his clients and makes the home-buying experience as smooth as possible. Thank you, Matt, for helping us get into our new home!

Cullen Robert O.

Fairview Park, OH, Jul 14, 2026, 12:55 PM

Matt and his team were super helpful throughout the entire process. They stayed in constant contact and were always available for answering questions. I highly recommend them!

Claudia C J W.

Vermilion, OH, Jul 7, 2026, 6:48 PM

Matt, and Jimmy truly went above and beyond with everything they did for me! Buying my first home i was totally in panic and stressed out but they took the time to sit and explain things to me that helped so much!

Vincent Ray C.

Medina, OH, Jul 6, 2026, 10:25 PM

Very prompt, professional and curtious communication.

David L W.

BRATENAHL, OH, Sep 17, 2025, 12:10 AM

From our initial consultation to the final closing, your team was incredibly supportive and knowledgeable. I truly appreciated the personalized attention and guidance you provided, which made navigating the mortgage landscape so much easier. Your expertise helped me understand my options and choose the best path for my financial situation. I am thrilled to have secured my new home, and I know that it wouldn’t have been possible without your hard work and dedication. Thank you.

Jessica L S.

AVON LAKE, OH, Oct 23, 2023, 10:00 AM

Not only was Matt responsive to all of the questions we had, he would routinely check-in to make sure we were doing ok throughout the process and to make sure we didn’t have any outstanding questions. I can’t express how truly grateful we were to have Matt’s expertise throughout this process!

Danielle M D.

Westlake, OH, Aug 30, 2023, 10:38 PM

This was the most efficient and wonderful experience I have ever had purchasing a home. Matt Koch and his team were more than amazing and helpful. I just do not have the words to describe how wonderful everything and everyone was!!!!

Kara Patricia M.

Avon, OH, Jul 28, 2026, 3:39 PM

Matt was exceptional throughout our home buying process! It did not matter if it was a Monday morning or Saturday afternoon, he made himself available to answer all of our questions. We appreciated is honesty, advise and kindness! Will 100% reach back out to work with Matt when we buy another home and recommend him and Ruoff mortgage to friends and family.

Flavian Aurel R.

Westlake, OH, Jul 25, 2026, 3:44 PM

Working with Matt Koch as our loan officer was an outstanding experience from start to finish. We were in lockstep throughout the entire process, and he kept us informed every step of the way. Matt is incredibly pleasant to work with, responsive, knowledgeable, and always made sure we understood what was happening. He made what could have been a stressful process feel simple and straightforward. There were no surprises, no last-minute issues, and everything happened exactly as he explained it would. His professionalism, attention to detail, and proactive communication gave us complete confidence from beginning to end. I would highly recommend Matt to anyone looking for a mortgage professional who truly cares about his clients and makes the home-buying experience as smooth as possible. Thank you, Matt, for helping us get into our new home!

Cullen Robert O.

Fairview Park, OH, Jul 14, 2026, 12:55 PM

Matt and his team were super helpful throughout the entire process. They stayed in constant contact and were always available for answering questions. I highly recommend them!

Claudia C J W.

Vermilion, OH, Jul 7, 2026, 6:48 PM

Matt, and Jimmy truly went above and beyond with everything they did for me! Buying my first home i was totally in panic and stressed out but they took the time to sit and explain things to me that helped so much!

Vincent Ray C.

Medina, OH, Jul 6, 2026, 10:25 PM

Very prompt, professional and curtious communication.

Karyl Quiroga B.

Westlake, OH, May 12, 2026, 3:06 PM

You're very helpful and accommodating. You and your team do a good job. We are very happy first homeowners.

Israel Antonio C.

Amherst, OH, Apr 7, 2026, 3:34 PM

Matt was an absolute pleasure to work with throughout our home buying process. He was knowledgeable, responsive, and always took the time to explain everything clearly, which gave us a lot of confidence every step of the way. He made what could have been a stressful experience feel smooth and manageable. His communication was excellent, and he truly had our best interest in mind from start to finish. I highly recommend Matt to anyone

Xochitl M L.

SAGAMORE HILLS, OH, Mar 10, 2026, 3:05 PM

was such a joy to work with. Also, his assistant Jimmy was a huge help. Everything was easy and I never felt like I was left in the dark with the loan process. They were very informative and attentive would definitely recommend 100%.

Fernando L.

SAGAMORE HILLS, OH, Mar 10, 2026, 2:26 PM

Matt was awesome, he and his assistant Jimmy were always very attentive in any concerns or questions i had. They reached out daily in the process of getting my home loan. They were clear on their intentions and very professional.

Timothy Matthew S.

HURON, OH, Feb 25, 2026, 4:14 PM

The expertise and communication from Matt and his team was unmatched. Truly the team went above and beyond to help me purchase my first real estate investment!

Kimberly Ann G.

Cleveland, OH, Jan 5, 2026, 11:02 PM

From start to finish, Matt and his team had superb communication, were easily accessible and very knowledgeable. I can't imagine having a stronger team. We were extremely impressed with the professionalism and would heartily recommend them

Scott D G.

Cleveland, OH, Jan 5, 2026, 10:59 PM

Extremely caring.

Christopher Mark B.

Cleveland, OH, Dec 29, 2025, 4:06 PM

Matt was very friendly amd knowledgeabl, I asked a bunch of questions and he readily replied with answers He's a pleasure to work wit!

Karyl Quiroga B.

Westlake, OH, May 12, 2026, 3:06 PM

You're very helpful and accommodating. You and your team do a good job. We are very happy first homeowners.

Israel Antonio C.

Amherst, OH, Apr 7, 2026, 3:34 PM

Matt was an absolute pleasure to work with throughout our home buying process. He was knowledgeable, responsive, and always took the time to explain everything clearly, which gave us a lot of confidence every step of the way. He made what could have been a stressful experience feel smooth and manageable. His communication was excellent, and he truly had our best interest in mind from start to finish. I highly recommend Matt to anyone

Xochitl M L.

SAGAMORE HILLS, OH, Mar 10, 2026, 3:05 PM

was such a joy to work with. Also, his assistant Jimmy was a huge help. Everything was easy and I never felt like I was left in the dark with the loan process. They were very informative and attentive would definitely recommend 100%.

Fernando L.

SAGAMORE HILLS, OH, Mar 10, 2026, 2:26 PM

Matt was awesome, he and his assistant Jimmy were always very attentive in any concerns or questions i had. They reached out daily in the process of getting my home loan. They were clear on their intentions and very professional.

Timothy Matthew S.

HURON, OH, Feb 25, 2026, 4:14 PM

The expertise and communication from Matt and his team was unmatched. Truly the team went above and beyond to help me purchase my first real estate investment!

Kimberly Ann G.

Cleveland, OH, Jan 5, 2026, 11:02 PM

From start to finish, Matt and his team had superb communication, were easily accessible and very knowledgeable. I can't imagine having a stronger team. We were extremely impressed with the professionalism and would heartily recommend them

Scott D G.

Cleveland, OH, Jan 5, 2026, 10:59 PM

Extremely caring.

Christopher Mark B.

Cleveland, OH, Dec 29, 2025, 4:06 PM

Matt was very friendly amd knowledgeabl, I asked a bunch of questions and he readily replied with answers He's a pleasure to work wit!

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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Matt Koch

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.

Ruoff Customer Experience 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 Indiana, Ohio

Matt Koch

SVP | Area Manager

NMLS: 858021

OH: MLO-OH.858021

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.