Ruoff Mortgage
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Tom Hriso

Senior Loan Officer

NMLS: 261775

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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Tom

99.48%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Christin Lynne G.

Shelbyville, IN, Apr 23, 2026, 7:44 PM

Tom went above and beyond for me. I am so very grateful that he was my loan officer because I don't think anyone else could have managed all the surprises this purchase threw at me! It was an honor to have Tom in my corner throughout the whole process.

Valerie A V.

Hobart, IN, Mar 17, 2026, 3:58 PM

Tom and Justina were knowledgeable and helped us every step of the way!

Steven P.

North Vernon, IN, Feb 27, 2026, 5:13 PM

Tom had an all-around good attitude and it was a pleasure working with him when he spoke to me he seemed very knowledgeable and very easy to talk to and get along with everything was great

Matthew R J.

Ellettsville, IN, Mar 6, 2026, 4:07 PM

We've worked with Tom multiple times and each experience is better than the last. He's communicative and always looking for what would be the best deal for us. I can't say enough good things about the dedication, expertise, and warmth Tom brings to the process! He's the best!

Sheila A O.

Columbus, IN, Dec 29, 2025, 11:02 PM

Tom Hriso was an outstanding loan officer to work with. He was knowledgeable, responsive, and made the entire process smooth and stress-free. He truly went above and beyond, and I couldn’t be happier with the experience. Highly recommend Tom to anyone looking for a great loan officer!

Wayne D C.

Bedford, IN, Dec 10, 2025, 10:52 PM

Very quick efficient

Christin Lynne G.

Shelbyville, IN, Apr 23, 2026, 7:44 PM

Tom went above and beyond for me. I am so very grateful that he was my loan officer because I don't think anyone else could have managed all the surprises this purchase threw at me! It was an honor to have Tom in my corner throughout the whole process.

Valerie A V.

Hobart, IN, Mar 17, 2026, 3:58 PM

Tom and Justina were knowledgeable and helped us every step of the way!

Steven P.

North Vernon, IN, Feb 27, 2026, 5:13 PM

Tom had an all-around good attitude and it was a pleasure working with him when he spoke to me he seemed very knowledgeable and very easy to talk to and get along with everything was great

Matthew R J.

Ellettsville, IN, Mar 6, 2026, 4:07 PM

We've worked with Tom multiple times and each experience is better than the last. He's communicative and always looking for what would be the best deal for us. I can't say enough good things about the dedication, expertise, and warmth Tom brings to the process! He's the best!

Sheila A O.

Columbus, IN, Dec 29, 2025, 11:02 PM

Tom Hriso was an outstanding loan officer to work with. He was knowledgeable, responsive, and made the entire process smooth and stress-free. He truly went above and beyond, and I couldn’t be happier with the experience. Highly recommend Tom to anyone looking for a great loan officer!

Wayne D C.

Bedford, IN, Dec 10, 2025, 10:52 PM

Very quick efficient

Lisa P.

Nashville, IN, Dec 1, 2025, 12:14 AM

Tom Hriso was in constant communication with me assured me everything was handled. I was very well taken care of!

Rachel P.

Bloomington, IN, Oct 18, 2025, 7:06 PM

Tom Hriso is the best in the business!

Joshua Ray C.

Greenwood, IN, Oct 6, 2025, 12:00 AM

Tom's knowledge and expertise made our entire loan process an overall great experience!

Jordan Daniel K.

Bloomington, IN, Aug 19, 2025, 10:57 PM

Lots of communication and able to get a hold of someone with questions very quickly.

Amanda E.

BLOOMINGTON, IN, Jul 22, 2025, 8:41 PM

Tom was incredibly helpful throughout the whole buying process. He was able to work with me and my unique case with ease. He's very efficient and knowledgeable when it comes to helping establish your loan.

Kynedy S.

Terre Haute, IN, May 2, 2025, 3:06 PM

Tom was amazing through this experience I'm a first time buyer and he made sure I knew exactly what was going on and what I was doing! I appreciate his hard work and dedication !

Kellen J M.

Bloomington, IN, Apr 22, 2025, 7:35 PM

Tom and his team were phenomenal in uncertain housing and mortgage markets. Tom responded promptly and his experience shows when navigating every element of the buying process. Tom goes the extra mile to make sure things are completed instantly and clearly. Would recommend him to anyone looking for a mortgage in Bloomington and beyond.

Lisa P.

Nashville, IN, Dec 1, 2025, 12:14 AM

Tom Hriso was in constant communication with me assured me everything was handled. I was very well taken care of!

Rachel P.

Bloomington, IN, Oct 18, 2025, 7:06 PM

Tom Hriso is the best in the business!

Joshua Ray C.

Greenwood, IN, Oct 6, 2025, 12:00 AM

Tom's knowledge and expertise made our entire loan process an overall great experience!

Jordan Daniel K.

Bloomington, IN, Aug 19, 2025, 10:57 PM

Lots of communication and able to get a hold of someone with questions very quickly.

Amanda E.

BLOOMINGTON, IN, Jul 22, 2025, 8:41 PM

Tom was incredibly helpful throughout the whole buying process. He was able to work with me and my unique case with ease. He's very efficient and knowledgeable when it comes to helping establish your loan.

Kynedy S.

Terre Haute, IN, May 2, 2025, 3:06 PM

Tom was amazing through this experience I'm a first time buyer and he made sure I knew exactly what was going on and what I was doing! I appreciate his hard work and dedication !

Kellen J M.

Bloomington, IN, Apr 22, 2025, 7:35 PM

Tom and his team were phenomenal in uncertain housing and mortgage markets. Tom responded promptly and his experience shows when navigating every element of the buying process. Tom goes the extra mile to make sure things are completed instantly and clearly. Would recommend him to anyone looking for a mortgage in Bloomington and beyond.

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

Apply Now
Tom Hriso

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

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.