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Ryan Miracle

Senior Loan Officer

NMLS: 497698 | OH: MLO.041765.000

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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Ryan

92.47%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerPresident's Club

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Hannah P B.

Pataskala, OH, Aug 8, 2023, 9:09 PM

I appreciate that Ryan was practically available 24/7. Whenever my family had questions, he would call us right away and walk us through the answer. Ryan is friendly, knowledgeable, and very realistic. There weren't any surprises in our experience, and my husband and I felt like we were really listened to. All of our questions were answered in a timely manner. Ryan took the time to really get to know us and what we wanted from buying our first-time home. His team worked quickly and had clear communication the entire time. We were able to close on our house in 14 days... from starting the lender process at the beginning of July, finding a house and putting in an offer in mid-July, and then closing on August 1st. Ryan's fast service was comforting and helpful. Thank you Ryan for your hard work and dedication to our family!

Zachary J S.

SUNBURY, OH, Mar 11, 2024, 3:06 PM

I felt that Ryan went above and beyond. He was always available and answered questions quickly, and just overall I felt like he really cared. I just felt that I could trust him, and that he was on our side.

Mikaela W.

Cincinnati, OH, Jun 7, 2026, 7:04 PM

Ryan was so helpful and knowledgeable throughout the process.

Randy W.

Milford Center, OH, Apr 25, 2026, 3:40 PM

Ryan and the team were wonderful. We are first time home buyers and had no knowledge of the process but he guided us through and helped ease the anxiety.

Gary A H.

Marion, OH, Feb 8, 2026, 9:31 PM

Ryan Miracle was with us for the long haul. Great guy, very knowledgeable. Answered all our questions when we contacted him. I would recommend Ryan to anyone needing help in the mortgage process.

Paulette M H.

Marion, OH, Feb 8, 2026, 9:26 PM

Ryan Miracle explained everything that was going on with our loan. If I had questions, Ryan got back with us quickly.

Hunter C.

Reynoldsburg, OH, Feb 7, 2026, 6:15 PM

Ryan and his team were incredibly knowledgeable and helpful throughout our entire home buying process. The portal was easy to use, and Ryan’s recommendation of our realtor, Yoshi, made us feel confident in both our purchase and the team helping us along the way.

Hannah P B.

Pataskala, OH, Aug 8, 2023, 9:09 PM

I appreciate that Ryan was practically available 24/7. Whenever my family had questions, he would call us right away and walk us through the answer. Ryan is friendly, knowledgeable, and very realistic. There weren't any surprises in our experience, and my husband and I felt like we were really listened to. All of our questions were answered in a timely manner. Ryan took the time to really get to know us and what we wanted from buying our first-time home. His team worked quickly and had clear communication the entire time. We were able to close on our house in 14 days... from starting the lender process at the beginning of July, finding a house and putting in an offer in mid-July, and then closing on August 1st. Ryan's fast service was comforting and helpful. Thank you Ryan for your hard work and dedication to our family!

Zachary J S.

SUNBURY, OH, Mar 11, 2024, 3:06 PM

I felt that Ryan went above and beyond. He was always available and answered questions quickly, and just overall I felt like he really cared. I just felt that I could trust him, and that he was on our side.

Mikaela W.

Cincinnati, OH, Jun 7, 2026, 7:04 PM

Ryan was so helpful and knowledgeable throughout the process.

Randy W.

Milford Center, OH, Apr 25, 2026, 3:40 PM

Ryan and the team were wonderful. We are first time home buyers and had no knowledge of the process but he guided us through and helped ease the anxiety.

Gary A H.

Marion, OH, Feb 8, 2026, 9:31 PM

Ryan Miracle was with us for the long haul. Great guy, very knowledgeable. Answered all our questions when we contacted him. I would recommend Ryan to anyone needing help in the mortgage process.

Paulette M H.

Marion, OH, Feb 8, 2026, 9:26 PM

Ryan Miracle explained everything that was going on with our loan. If I had questions, Ryan got back with us quickly.

Hunter C.

Reynoldsburg, OH, Feb 7, 2026, 6:15 PM

Ryan and his team were incredibly knowledgeable and helpful throughout our entire home buying process. The portal was easy to use, and Ryan’s recommendation of our realtor, Yoshi, made us feel confident in both our purchase and the team helping us along the way.

Codey A T.

Columbus, OH, Nov 28, 2025, 4:28 PM

Was easy to work with and talk to fast easy efficient

Lori A P.

EATON, OH, Nov 25, 2025, 7:37 PM

Very fast meeting deadlines amd responsive

Joshua S.

Lancaster, OH, Oct 10, 2025, 3:04 PM

Very easy to work with!

Ethan S.

Marion, OH, Sep 30, 2025, 12:37 PM

Easy process with Ryan

Shannon L.

Columbus, OH, Aug 26, 2025, 4:36 PM

Ryan was amazing to work with! He kept us up to date along the way, and made reminders and requests in a professional and timely manner. I loved hearing from Ryan, and looked forward to seeing how he could help us get into the home we recently bought. Ryan made miracles happen, and his team worked hard to make sure we had the best deals available. I would recommend Ryan and his team at Ruoff for any transaction! I know you will be in good hands!

Nicole N.

Columbus, OH, Jul 22, 2025, 3:29 PM

Clear communication and was clear they were looking out for our best interest!

Brookelyn S.

Dublin, OH, Jul 1, 2025, 3:13 PM

Ryan and Team were incredibly knowledgable, patient, and helpful throughout the entire process!

Michael J. S.

Lancaster, OH, Jun 23, 2025, 3:10 PM

Very professional, responsive and awesome to work with! 5 stars!!

Codey A T.

Columbus, OH, Nov 28, 2025, 4:28 PM

Was easy to work with and talk to fast easy efficient

Lori A P.

EATON, OH, Nov 25, 2025, 7:37 PM

Very fast meeting deadlines amd responsive

Joshua S.

Lancaster, OH, Oct 10, 2025, 3:04 PM

Very easy to work with!

Ethan S.

Marion, OH, Sep 30, 2025, 12:37 PM

Easy process with Ryan

Shannon L.

Columbus, OH, Aug 26, 2025, 4:36 PM

Ryan was amazing to work with! He kept us up to date along the way, and made reminders and requests in a professional and timely manner. I loved hearing from Ryan, and looked forward to seeing how he could help us get into the home we recently bought. Ryan made miracles happen, and his team worked hard to make sure we had the best deals available. I would recommend Ryan and his team at Ruoff for any transaction! I know you will be in good hands!

Nicole N.

Columbus, OH, Jul 22, 2025, 3:29 PM

Clear communication and was clear they were looking out for our best interest!

Brookelyn S.

Dublin, OH, Jul 1, 2025, 3:13 PM

Ryan and Team were incredibly knowledgable, patient, and helpful throughout the entire process!

Michael J. S.

Lancaster, OH, Jun 23, 2025, 3:10 PM

Very professional, responsive and awesome to work with! 5 stars!!

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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Ryan Miracle

A Bit About Me

Ryan Miracle is a Senior Loan Officer with Ruoff Mortgage in Columbus, Ohio, with 19 years of mortgage experience and over 3,700 closed loans. A central Ohio native and Ohio Northern University graduate, Ryan entered lending during the 2008 financial crash and built his reputation solving complex loan scenarios other lenders can't figure out — self-employed income, job changes, and tricky underwriting. He has taught continuing education courses for Realtors across Ohio and holds NMLS #497698. Ryan co-leads The Stewards, a Columbus-based mortgage team known for a precision-first, client-education approach to homebuying. He lives in Columbus with his wife and two daughters, and measures success by how well he serves the people around him.

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.

President's Club

President's Club

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 Ohio

Ryan Miracle

Senior Loan Officer

NMLS: 497698

OH: MLO.041765.000

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.