Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.

About Us

Our Mission

At Ruoff, it is our mission to consistently provide a best-in-class residential mortgage experience for our customers and an enriching and fulfilling culture for our employees through transparency, respect, and the highest ethical standards.

Our Values


Customer Centric


Listen and Respect


Ownership and Accountability


Seek Growth and knowledge


Nurture the Development of Others


Embrace Technology


Speed, Accuracy, and Teamwork


Timely Communication


Work Life Balance


Have Fun

Our Story

In 1984, David Ruoff decided there was a better way to meet the financial needs of our community. With 25 years of experience in the mortgage industry, the Dave Ruoff Mortgage Co. was started in Fort Wayne, Indiana. The name was later changed to Ruoff Mortgage.

Photo of original 18 employees of Ruoff in 1984

Ruoff is proud to be a family-owned business. In 2007, David's son-in-law, Mark Music, joined the business as the new president. Upon David's retirement in 2012, Mark took over as president and CEO.

Ruoff Home Mortgage is ranked as the number one mortgage lender in Indiana and has become one of the fastest-growing companies in the country. We've grown from 18 employees in northeast Indiana to more than 700 employees, with 59 branches in Indiana, Ohio, Michigan, Kentucky, and Florida. While our corporate headquarters remains in Fort Wayne, Ruoff now reaches homebuyers nationwide with its online division.

Even with its tremendous growth, we are most proud of the business and community partnerships we've formed in our 35+ years in business. We continue to make the dream of homeownership a reality and welcome thousands of happy homebuyers into the Ruoff family.

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.

Top Mortgage Lender

We are excited to announce that for the second 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 #49 in Top Overall Volume for 2018 (up from #68 last year) with more than $1.9 billion in loan volume.

We're moving up the ranks!

Ruoff Home Mortgage has been recognized as one of the Top 100 Mortgage Companies in America in 2018, according to Mortgage Executive Magazine. We ranked #34 in closed loans with 12,262 units and #55 with nearly $1.9 billion in closed loan volume (last year our ranking in closed loan volume was #65). The full list appears in the Spring 2019 issue.

Our clients have spoken!

We understand that it isn’t just about how much business you do, but how you do business. We treat our homebuyers like family and it shows. We have a 98.8% customer satisfaction rating, based on independent third-party customer satisfaction surveys conducted by Customerville.

A seven-year streak!

Ruoff Mortgage is ranked #3209 on the annual Inc. 5000 list, the most prestigious ranking of the nation’s fastest-growing private companies. being in the top 5000 is a big deal. But a truly extraordinary accomplishment is being ranked on the list for seven consecutive years. A mere 1.5% of companies have made the list 7 times and Ruoff is one of them. And, making the list even one time is an incredible feat.