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Dan Smith

Senior Loan Officer

NMLS: 2784335

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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Dan

99.63%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Jameson Cole P.

Bedford, IN, Jul 27, 2026, 7:49 PM

5.0

Dan worked very hard for us and kept open and prompt communication

Review 2

Jessi P.

Bedford, IN, Jul 24, 2026, 4:21 PM

5.0

Dan was wonderful! We had clear and open communication through the whole process. He worked hard for us,and was kept things moving as quickly as possible!

Review 3

Kaci M W.

Camby, IN, Jul 24, 2026, 3:50 PM

5.0

Easy instructions, clear communication

Review 4

William H W.

Camby, IN, Jul 24, 2026, 3:14 PM

5.0

The open and clear communication was awesome. Dan was also GREAT with communicating and explaining things and very patient with us throughout the entire process.

Review 5

Heather D B.

Solsberry, IN, Jun 26, 2026, 5:28 PM

5.0

Dan was excellent to work with! He was knowledeable, responsive and guided me through the process with ease!

Review 6

Zachary T M.

Orleans, IN, Jun 22, 2026, 12:02 PM

5.0

As a first-time home buyer, Dan made the process very smooth and easy to understand. Always answered any questions I had within an hour (a lot of times it was a few minutes!), was quick to remove any confusion I had about any part of the home-buying process, and always notified me when I needed to sign or submit something. Would reccommend Dan and Ruoff Mortgage to anyone interested in buying a house!

Review 1

Jameson Cole P.

Bedford, IN, Jul 27, 2026, 7:49 PM

5.0

Dan worked very hard for us and kept open and prompt communication

Review 2

Jessi P.

Bedford, IN, Jul 24, 2026, 4:21 PM

5.0

Dan was wonderful! We had clear and open communication through the whole process. He worked hard for us,and was kept things moving as quickly as possible!

Review 3

Kaci M W.

Camby, IN, Jul 24, 2026, 3:50 PM

5.0

Easy instructions, clear communication

Review 4

William H W.

Camby, IN, Jul 24, 2026, 3:14 PM

5.0

The open and clear communication was awesome. Dan was also GREAT with communicating and explaining things and very patient with us throughout the entire process.

Review 5

Heather D B.

Solsberry, IN, Jun 26, 2026, 5:28 PM

5.0

Dan was excellent to work with! He was knowledeable, responsive and guided me through the process with ease!

Review 6

Zachary T M.

Orleans, IN, Jun 22, 2026, 12:02 PM

5.0

As a first-time home buyer, Dan made the process very smooth and easy to understand. Always answered any questions I had within an hour (a lot of times it was a few minutes!), was quick to remove any confusion I had about any part of the home-buying process, and always notified me when I needed to sign or submit something. Would reccommend Dan and Ruoff Mortgage to anyone interested in buying a house!

Review 7

Laura M.

Indianapolis, IN, Jun 13, 2026, 7:17 PM

5.0

Dan was unbelievably kind. He became a friend through the proces. He was always available to answer any questions that arose. He was patient, professional and thoroug.

Review 8

Sandra V.

Indianapolis, IN, Jun 13, 2026, 4:05 PM

5.0

Communicated with us all the time night day weekends.

Review 9

Gretchen M.

Fishers, IN, May 22, 2026, 7:54 PM

5.0

Dan went above and beyond all expectations! Couldn't have asked for a better experience or loan officer!

Review 10

John Thomas C.

Bloomington, IN, May 13, 2026, 3:24 PM

5.0

Dan was awesome! He was available whenever we needed him, and he did an excellent job communicating and guiding us through the process.

Review 11

Madyson K.

Bloomington, IN, May 13, 2026, 2:50 PM

5.0

Working with Dan made the home-buying process such a positive experience. He was knowledgeable, responsive, and genuinely cared about helping us. We’re so grateful for his guidance and support during such an exciting season!

Review 12

Zachary B.

BLOOMINGTON, IN, May 12, 2026, 12:15 PM

5.0

The team was quick to answer any questions, and were eager to help with documentation and in finding a location, I appreciate the work they put in.

Review 7

Laura M.

Indianapolis, IN, Jun 13, 2026, 7:17 PM

5.0

Dan was unbelievably kind. He became a friend through the proces. He was always available to answer any questions that arose. He was patient, professional and thoroug.

Review 8

Sandra V.

Indianapolis, IN, Jun 13, 2026, 4:05 PM

5.0

Communicated with us all the time night day weekends.

Review 9

Gretchen M.

Fishers, IN, May 22, 2026, 7:54 PM

5.0

Dan went above and beyond all expectations! Couldn't have asked for a better experience or loan officer!

Review 10

John Thomas C.

Bloomington, IN, May 13, 2026, 3:24 PM

5.0

Dan was awesome! He was available whenever we needed him, and he did an excellent job communicating and guiding us through the process.

Review 11

Madyson K.

Bloomington, IN, May 13, 2026, 2:50 PM

5.0

Working with Dan made the home-buying process such a positive experience. He was knowledgeable, responsive, and genuinely cared about helping us. We’re so grateful for his guidance and support during such an exciting season!

Review 12

Zachary B.

BLOOMINGTON, IN, May 12, 2026, 12:15 PM

5.0

The team was quick to answer any questions, and were eager to help with documentation and in finding a location, I appreciate the work they put in.

HomeNow

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

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Save on your closing costs with our new loyalty program! Learn all about the mortgage process and earn points that can be converted to cash toward your closing costs.

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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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Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.
Dan Smith

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.

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: 8:00 AM - 8:00 PM

Tue: 8:00 AM - 8:00 PM

Wed: 8:00 AM - 8:00 PM

Thu: 8:00 AM - 8:00 PM

Fri: 8:00 AM - 8:00 PM

Sat: 8:00 AM - 8:00 PM

Sun: 8:00 AM - 8:00 PM

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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.