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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Your next step is to complete a full application.

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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Toby Lagle
Picture of Toby Lagle

Hi, I'm Toby!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Toby!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am a seasoned veteran in the mortgage lending industry. Closing loans on time is as important to me as it is for all the parties involved in a purchase transaction. Ruoff Mortgage provides me with a vast variety of mortgage loan programs that I am able to share with my clients. We strive in new home construction as well as existing home purchases.

The benefit to our customers when they choose Ruoff Mortgage as their preferred lender is that we are well connected with our clients, realtors, processors and underwriters throughout the lending process. We are able to eliminate the big bank overlays and delays. Our processing, underwriting and closing departments are all located within the same building here in Indianapolis. Having the ability to speak to an underwriter and/or a loan processor in a face-to-face environment speaks volumes in comparison to many of our competitors. Closing your loan on time and maintaining consistent communication is my objective.

In this business you are only as good as your last loan, so make sure your last loan is a good one if you want additional referral business from your clients.

We Close Loans On Time!

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you*

  • Toby stood by us as we trudged through 2020. It was a heck of a ride but we made it with the help of Toby. We sold our house 5 times and put offers on 3 different houses. He was there for us through all of it. I cannot praise Toby enough for all of his help support and his response time to everything we went through buying and selling a home. You have no other employee who beats his customer service. We should know about working with him for about 6 months straight. He responds to you even on a day off and holidays when he should be enjoying time off with family. Toby is the best.

    Amy J, happy client
  • Toby was awesome....I'm so glad he helped me purchase my home and then to help me with the referencing. I have recommended him to several people!

    Julie M, happy client
  • I was really impressed with how Toby handled my situation and was able to keep me apprised of all things. Especially going out of the way to make sure certain things weren’t shown to me from my gift donor.

    Michael S, happy client
  • Toby is always so helpful and gets the job done efficiently. He is so personable.

    Debra U, happy client
  • We really appreciate Toby's availability even during evenings and weekends. He explained details thoroughly and guided us every step of the way. We are happy with our rate and found the esignatures incredibly convenient. Everything went really smoothly and we would highly recommend Toby and Ruoff Mortgage!

    Hillary M, happy client
  • Toby made the entire process incredibly painless. I literally never had to leave my home. Having two jobs and two kids doesn't leave a ton of free time. He was sympathetic to my time restraints and very accommodating. He actually came to my work site to help me sort out documents and answer questions. Very mobile and committed. This all occurred during the Coronavirus scare and the process was completely uninterrupted...Highly Recommend!

    Clyde P, happy client
  • We were most impressed with the personalized service that we received from Toby, he was informative and explained our questions in a way that we could understand. Toby always helped us feel as though we were in control of our loan management, We feel that this kind of service is rare in business these days, and we appreciate this kind of personal touch thank you.

    Charles S, happy client
  • Toby works well into the evening and I found this to be very helpful because I am not available during the daytime. During refinancing, managing my department kept me way too busy to concern myself with personal business. Toby did an awesome job in keeping us informed and he was determined to get this to go through. Thank you, Toby.

    Jeffrey E, happy client
  • Our experience with Toby was excellent! He provided extra fast response times, quick and thorough answers to questions and super friendly interactions throughout the whole process. Toby worked hard to make sure that everything went smoothly, and nailed our goal of getting everything together for a quick close. He made the mortgage process as easy and stress-free as possible. I would definitely work with Toby again.

    B. Singh , happy client
  • My first time buying a home, I knew nothing about it. Toby walked us through every step, he was a pleasure to work with.

    Rick H, happy client
  • From my first call to Toby Lagle to final call he was always available to help with questions and concerns. I felt Toby always had our best interest in the whole process from start to closing. He was available during off-hours, weekends and during the holidays. He was patient with helping me getting documents to him electronically, as that process was new to us seniors! I will have no hesitation in referring him to all those that might need his services. The journey was so smooth and we couldn't be any more satisfied with the experience we had with Ruoff Mortgage!

    James L, happy client
  • Toby did an excellent job handling our loan. We appreciate his availability for questions even in the evenings and weekends. He worked hard to get us a great rate and explained all of the financial details thoroughly. We are very satisfied!

    Hillary M, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 317.281.9671 or message me below!

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