Ruoff Mortgage
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Keith Luken

Senior Loan Officer

NMLS: 541121

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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Keith
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99.3%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerPresident's Club

Awards

Proudly serving Florida, Indiana

Meet our happy homeowners***

View All Testimonials

John C K.

Columbus, IN, Jul 17, 2026, 12:01 PM

Very Responsive, new technology really helps the process, kept us informed at all times . Really appreciate the effert you put in .

Andrew W.

Columbus, IN, Jul 8, 2026, 4:42 PM

Communication was timely and kind!

Dylan G B.

Columbus, IN, Jun 27, 2026, 12:17 AM

Keith and Becca were always on top of things and they were very helpful during the process. Couldn't have asked for better loan officers. Would highly recommend.

Hannah S.

Greenwood, IN, Jun 26, 2026, 5:16 PM

did a fabulous job helping us through the loan process on our second home!

Andrew Eric G.

Columbus, IN, Jun 9, 2026, 3:14 PM

Keith amd his team were great. Communicated well.

Cole A. M.

Fishers, IN, Jun 4, 2026, 3:52 PM

Keith was very helpful!

John C K.

Columbus, IN, Jul 17, 2026, 12:01 PM

Very Responsive, new technology really helps the process, kept us informed at all times . Really appreciate the effert you put in .

Andrew W.

Columbus, IN, Jul 8, 2026, 4:42 PM

Communication was timely and kind!

Dylan G B.

Columbus, IN, Jun 27, 2026, 12:17 AM

Keith and Becca were always on top of things and they were very helpful during the process. Couldn't have asked for better loan officers. Would highly recommend.

Hannah S.

Greenwood, IN, Jun 26, 2026, 5:16 PM

did a fabulous job helping us through the loan process on our second home!

Andrew Eric G.

Columbus, IN, Jun 9, 2026, 3:14 PM

Keith amd his team were great. Communicated well.

Cole A. M.

Fishers, IN, Jun 4, 2026, 3:52 PM

Keith was very helpful!

Pamela S B.

Medora, IN, May 30, 2026, 7:05 PM

Keith was wonderful!

Brooke S.

BEDFORD, IN, May 26, 2026, 3:12 PM

Keith and Becca were amazing to work with. They were kind and patient while ensuring I understood the full process. They worked hard to make me feel comfortable throughout the process and kept me up to date and informed. I would highly recommend them to anyone!

Andrew Joseph W.

Columbus, IN, May 10, 2026, 4:12 PM

Great customer sevice!

Ronald Leo H.

Columbus, IN, May 6, 2026, 12:55 AM

Keith and Rebecca made the loan process seamless and quick. Very prompt and professional.

Cassie Rae S.

Columbus, IN, May 6, 2026, 1:11 AM

Kind people and quick loan process!

William Cody C.

Columbus, IN, Apr 21, 2026, 3:56 PM

Keith really took our closing asap and made it happen. He was very efficent and was able to return our emails/text/calls very quickly when he could. We used Ruoff in the past but this is why we chose them again!

Roxanna K.

Columbus, IN, Apr 17, 2026, 3:05 PM

Everything was explained in a friendly environment so that even I could understand!

Pamela S B.

Medora, IN, May 30, 2026, 7:05 PM

Keith was wonderful!

Brooke S.

BEDFORD, IN, May 26, 2026, 3:12 PM

Keith and Becca were amazing to work with. They were kind and patient while ensuring I understood the full process. They worked hard to make me feel comfortable throughout the process and kept me up to date and informed. I would highly recommend them to anyone!

Andrew Joseph W.

Columbus, IN, May 10, 2026, 4:12 PM

Great customer sevice!

Ronald Leo H.

Columbus, IN, May 6, 2026, 12:55 AM

Keith and Rebecca made the loan process seamless and quick. Very prompt and professional.

Cassie Rae S.

Columbus, IN, May 6, 2026, 1:11 AM

Kind people and quick loan process!

William Cody C.

Columbus, IN, Apr 21, 2026, 3:56 PM

Keith really took our closing asap and made it happen. He was very efficent and was able to return our emails/text/calls very quickly when he could. We used Ruoff in the past but this is why we chose them again!

Roxanna K.

Columbus, IN, Apr 17, 2026, 3:05 PM

Everything was explained in a friendly environment so that even I could understand!

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
Keith Luken

A Bit About Me

Let me help you get pre-approved today!

Hi, I'm Keith! I've loved guiding clients through one of their biggest assets—their home. From first-time homebuyers to those building their forever home, I take a balanced approach to building lasting relationships while delivering expert advice tailored to your unique goals.

As a trusted advisor, I prioritize your best interests in every financial decision, whether it's a first-time purchase, construction loan, or refinance. My focus on balanced growth means sustainable solutions that support your long-term success and peace of mind.

I'm here to make your homeownership dreams a reality. Contact me today to get started on your homeownership goals!

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.

President's Club

President's Club

6x 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.*

Let's Talk

Proudly serving Florida, Indiana

Keith Luken

Senior Loan Officer

NMLS: 541121

812.350.2708keith.luken@ruoff.com

Branch Address:

1160 Washington St, Columbus, IN 47201

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

Company

Privacy / SecurityLicensesNMLS Consumer Access
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.