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Scott Miller

Senior Loan Officer

NMLS: 419095

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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Scott

97.04%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Timothy A T.

Greencastle, IN, Dec 1, 2023, 1:17 AM

5.0

Scott, Stacey, Christy, and Cheryl were absolutely fantastic. As a first time home buyer I was full of questions and they were all answered promptly. I was nervous, and they set me at ease. There aren't enough kind words I could say. They were prompt, courteous, kind, and most of all they actually cared about my experience. Buying a house is no easy task, yet they made it seem as simple as breathing. Many thanks to the team, I see no reason to shop around in the future. They've got me as a customer for as many houses as it takes for me to be done buying houses.

Review 2

Daphne Jo B.

Indianapolis, IN, Aug 10, 2026, 3:21 PM

5.0

Scott. Scott Miller was amazing. He explained everything and kept us updated.

Review 3

Christina A.

Indianapolis, IN, Aug 11, 2026, 6:23 PM

5.0

Always available and professional

Review 4

Nicholas B.

Danville, IN, Jul 13, 2026, 4:08 PM

5.0

Commission was rop

Review 5

Denise Allene Y.

Indianapolis, IN, Jul 2, 2026, 1:06 PM

5.0

Only problem was that some things sent via text and some via email. Personally I would have preferred just one form of communication. For me, I did double checking a lot since I got texts and emails.

Review 6

Vance David W.

Avon, IN, Mar 31, 2026, 3:11 PM

5.0

Everything was quick and easy.

Review 7

Cynthia Marie W.

New Whiteland, IN, Mar 25, 2026, 3:07 PM

5.0

Scott was so friendly and helpful from the beginning to the end he was always upfront and honest. This was such an easy process and Iwould highly recommend Ruoff and Scott to anyone wanting to buy.

Review 1

Timothy A T.

Greencastle, IN, Dec 1, 2023, 1:17 AM

5.0

Scott, Stacey, Christy, and Cheryl were absolutely fantastic. As a first time home buyer I was full of questions and they were all answered promptly. I was nervous, and they set me at ease. There aren't enough kind words I could say. They were prompt, courteous, kind, and most of all they actually cared about my experience. Buying a house is no easy task, yet they made it seem as simple as breathing. Many thanks to the team, I see no reason to shop around in the future. They've got me as a customer for as many houses as it takes for me to be done buying houses.

Review 2

Daphne Jo B.

Indianapolis, IN, Aug 10, 2026, 3:21 PM

5.0

Scott. Scott Miller was amazing. He explained everything and kept us updated.

Review 3

Christina A.

Indianapolis, IN, Aug 11, 2026, 6:23 PM

5.0

Always available and professional

Review 4

Nicholas B.

Danville, IN, Jul 13, 2026, 4:08 PM

5.0

Commission was rop

Review 5

Denise Allene Y.

Indianapolis, IN, Jul 2, 2026, 1:06 PM

5.0

Only problem was that some things sent via text and some via email. Personally I would have preferred just one form of communication. For me, I did double checking a lot since I got texts and emails.

Review 6

Vance David W.

Avon, IN, Mar 31, 2026, 3:11 PM

5.0

Everything was quick and easy.

Review 7

Cynthia Marie W.

New Whiteland, IN, Mar 25, 2026, 3:07 PM

5.0

Scott was so friendly and helpful from the beginning to the end he was always upfront and honest. This was such an easy process and Iwould highly recommend Ruoff and Scott to anyone wanting to buy.

Review 8

Candice E K.

Indianapolis, IN, Nov 23, 2025, 2:28 PM

5.0

Scott Miller and the rest of the Ruoff Mortgage team were wonderful through the entire home buying process. Scott was very helpful and communicative, explaining every step and making sure I fully understood and felt comfortable. He was quick in responding to texts and emails and was always happy to call me if i had questions. I would highly recommend using him and Ruoff Mortgage!

Review 9

Katelyn F.

INDIANAPOLIS, IN, Nov 8, 2025, 4:14 PM

5.0

Great experience

Review 10

Kenneth L L.

Indianapolis, IN, Nov 4, 2025, 4:35 PM

5.0

I can't say enough good things about Scott. I literally paid a slightly higher rate to go with him over my local credit union. He's quick and knowledgeable without being condescending. I have used him several times and will not call anyone else with any mortgage finance needs.

Review 11

Della J A.

Indianapolis, IN, Oct 27, 2025, 3:05 PM

5.0

Very professional, knowledgable and very friendly. Have already referred someone to Scott Miller. Scott was on top of his game the whole time.

Review 12

Rachel L M.

Mooresville, IN, Oct 17, 2025, 12:08 AM

5.0

My loan officer explained terms and finances in a way I could easily understand, and he answered questions as many times as needed when I needed clarity.

Review 13

Elizabeth J M.

Indianapolis, IN, Aug 15, 2025, 3:09 PM

5.0

right on top of everything kept me informed friendly courteous professional you guys are just the best

Review 14

Kaitlin M T.

Indianapolis, IN, Jul 18, 2025, 3:04 PM

5.0

Communication was clear, efficient, and timely with no room for second guessing when dealing with sensitive subjects such as closing costs and fees. Scott and his team were a pleasure to work with and made the home-buying process seemless and painless.

Review 8

Candice E K.

Indianapolis, IN, Nov 23, 2025, 2:28 PM

5.0

Scott Miller and the rest of the Ruoff Mortgage team were wonderful through the entire home buying process. Scott was very helpful and communicative, explaining every step and making sure I fully understood and felt comfortable. He was quick in responding to texts and emails and was always happy to call me if i had questions. I would highly recommend using him and Ruoff Mortgage!

Review 9

Katelyn F.

INDIANAPOLIS, IN, Nov 8, 2025, 4:14 PM

5.0

Great experience

Review 10

Kenneth L L.

Indianapolis, IN, Nov 4, 2025, 4:35 PM

5.0

I can't say enough good things about Scott. I literally paid a slightly higher rate to go with him over my local credit union. He's quick and knowledgeable without being condescending. I have used him several times and will not call anyone else with any mortgage finance needs.

Review 11

Della J A.

Indianapolis, IN, Oct 27, 2025, 3:05 PM

5.0

Very professional, knowledgable and very friendly. Have already referred someone to Scott Miller. Scott was on top of his game the whole time.

Review 12

Rachel L M.

Mooresville, IN, Oct 17, 2025, 12:08 AM

5.0

My loan officer explained terms and finances in a way I could easily understand, and he answered questions as many times as needed when I needed clarity.

Review 13

Elizabeth J M.

Indianapolis, IN, Aug 15, 2025, 3:09 PM

5.0

right on top of everything kept me informed friendly courteous professional you guys are just the best

Review 14

Kaitlin M T.

Indianapolis, IN, Jul 18, 2025, 3:04 PM

5.0

Communication was clear, efficient, and timely with no room for second guessing when dealing with sensitive subjects such as closing costs and fees. Scott and his team were a pleasure to work with and made the home-buying process seemless and painless.

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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Scott Miller

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

9x 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

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.

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******††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.