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Mary Karabatak

Senior Loan Officer

NMLS: 192744

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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Mary

98.64%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Beverly M.

Crown Point, IN, Nov 18, 2025, 4:30 PM

5.0

I don't have the words to describe how absolutely amazing Mary Karabatak is. I strongly believe that Mary is doing exactly what she was meant to do. If it wasn't for her, I know I wouldn't have achieved the goal of obtaining my "dream come true" home. She is kind, professional, knowledgable, caring, informative and very approachable. I do believe that our Lord put her in my life on purpose. There is no way to properly thank her for all she did for me and my family. She held my hand, so-to-speak, every step of the way. This was unchartered territory for me and she never made me feel like an idiot. She welcomed questions and concerns at anytime of the day or evening. Even weekends!

Review 2

Elaine P.

Schererville, IN, Oct 14, 2025, 5:25 PM

5.0

Mary was professional, courteous, and way ahead of the game on any transactions we needed to take care of. I would absolutely recommend her to anyone who asked me. It was a pleasure doing business with Mary and with Ruoff mortgage.

Review 3

Megan Elizabeth H.

Cedar Lake, IN, Jun 6, 2025, 3:06 PM

5.0

Working with Mary always makes our home-buying process a breeze. There is no other loan officer I'd want to work with. This is our second time using Mary to help us purchase our home (first time was in 2018). I'd recommend her time and time again.

Review 4

Alicia I A.

Dyer, IN, Aug 15, 2026, 4:21 PM

5.0

Immediately responded to my question/concerns.

Review 5

Joseph D B.

Saint John, IN, Jul 11, 2026, 7:05 PM

5.0

Mary is a true asset to your company

Review 6

Karl E S.

Crown Point, IN, Jul 11, 2026, 12:57 PM

5.0

Mary was extremely responsive and clear and concise in her answers. We had a wonderful experience with Mary.

Review 7

Kelli L S.

Crown Point, IN, Jul 8, 2026, 7:16 PM

5.0

Mary was extremely helpful & very knowledgeable with our overall loan experience. She was truly a gem to work with & was available 24/7 to answer any/allmof questions.

Review 8

Angelica L R.

Schererville, IN, Jul 5, 2026, 12:51 PM

5.0

Mary was quick to answer any questions, concerns or doubts I had. She was super helpful and patient with me!! I appreciate everything she did for my loan process to be quick !!

Review 1

Beverly M.

Crown Point, IN, Nov 18, 2025, 4:30 PM

5.0

I don't have the words to describe how absolutely amazing Mary Karabatak is. I strongly believe that Mary is doing exactly what she was meant to do. If it wasn't for her, I know I wouldn't have achieved the goal of obtaining my "dream come true" home. She is kind, professional, knowledgable, caring, informative and very approachable. I do believe that our Lord put her in my life on purpose. There is no way to properly thank her for all she did for me and my family. She held my hand, so-to-speak, every step of the way. This was unchartered territory for me and she never made me feel like an idiot. She welcomed questions and concerns at anytime of the day or evening. Even weekends!

Review 2

Elaine P.

Schererville, IN, Oct 14, 2025, 5:25 PM

5.0

Mary was professional, courteous, and way ahead of the game on any transactions we needed to take care of. I would absolutely recommend her to anyone who asked me. It was a pleasure doing business with Mary and with Ruoff mortgage.

Review 3

Megan Elizabeth H.

Cedar Lake, IN, Jun 6, 2025, 3:06 PM

5.0

Working with Mary always makes our home-buying process a breeze. There is no other loan officer I'd want to work with. This is our second time using Mary to help us purchase our home (first time was in 2018). I'd recommend her time and time again.

Review 4

Alicia I A.

Dyer, IN, Aug 15, 2026, 4:21 PM

5.0

Immediately responded to my question/concerns.

Review 5

Joseph D B.

Saint John, IN, Jul 11, 2026, 7:05 PM

5.0

Mary is a true asset to your company

Review 6

Karl E S.

Crown Point, IN, Jul 11, 2026, 12:57 PM

5.0

Mary was extremely responsive and clear and concise in her answers. We had a wonderful experience with Mary.

Review 7

Kelli L S.

Crown Point, IN, Jul 8, 2026, 7:16 PM

5.0

Mary was extremely helpful & very knowledgeable with our overall loan experience. She was truly a gem to work with & was available 24/7 to answer any/allmof questions.

Review 8

Angelica L R.

Schererville, IN, Jul 5, 2026, 12:51 PM

5.0

Mary was quick to answer any questions, concerns or doubts I had. She was super helpful and patient with me!! I appreciate everything she did for my loan process to be quick !!

Review 9

Kaitlin E. B.

Dyer, IN, Mar 31, 2026, 3:03 PM

5.0

Mary was the best loan officer we could have asked for. She was outstanding from start to finish and even offered continued support after our closing. She is incredibly responsive, often replying within minutes. She truly went above and beyond to ensure a smooth, seamless process. Overall, it was the best experience we could have had!

Review 10

LEANN K.

Schererville, IN, Mar 18, 2026, 4:16 PM

5.0

Very kind and helpful through the process!

Review 11

Kerry D M.

Schererville, IN, Mar 5, 2026, 5:05 PM

5.0

Mary was great! She made the whole experience go quickly and kept us informed.

Review 12

Stacy Anita A.

WINFIELD, IN, Feb 16, 2026, 3:13 AM

5.0

Great service overall

Review 13

Steven James O.

CROWN POINT, IN, Dec 19, 2025, 6:03 PM

5.0

Mary came highly recommended. She did not disappoint. Mary and Ruoff Mortgage was the best house lending experience I have encountered.

Review 14

Caleb C K.

Crown Point, IN, Dec 18, 2025, 4:06 PM

5.0

Mary went above and beyond quickly answering any questions that my wife and I had. It was a great experience especially because it was our first home. I would recommend Mary to anyone looking into buying a home.

Review 15

Laura L K.

Crown Point, IN, Dec 15, 2025, 4:05 PM

5.0

Mary Karabatak was an absolute pleasure to work with! She was very informative, quick, kind, and eased a lot of first time home buyer concerns of ours. I will recommend her to any one in the market for a home! She is fantastic! Thank you!

Review 16

Ethan B P.

Highland, IN, Dec 1, 2025, 6:12 PM

5.0

Fast transparent and very helpful through the entire process

Review 9

Kaitlin E. B.

Dyer, IN, Mar 31, 2026, 3:03 PM

5.0

Mary was the best loan officer we could have asked for. She was outstanding from start to finish and even offered continued support after our closing. She is incredibly responsive, often replying within minutes. She truly went above and beyond to ensure a smooth, seamless process. Overall, it was the best experience we could have had!

Review 10

LEANN K.

Schererville, IN, Mar 18, 2026, 4:16 PM

5.0

Very kind and helpful through the process!

Review 11

Kerry D M.

Schererville, IN, Mar 5, 2026, 5:05 PM

5.0

Mary was great! She made the whole experience go quickly and kept us informed.

Review 12

Stacy Anita A.

WINFIELD, IN, Feb 16, 2026, 3:13 AM

5.0

Great service overall

Review 13

Steven James O.

CROWN POINT, IN, Dec 19, 2025, 6:03 PM

5.0

Mary came highly recommended. She did not disappoint. Mary and Ruoff Mortgage was the best house lending experience I have encountered.

Review 14

Caleb C K.

Crown Point, IN, Dec 18, 2025, 4:06 PM

5.0

Mary went above and beyond quickly answering any questions that my wife and I had. It was a great experience especially because it was our first home. I would recommend Mary to anyone looking into buying a home.

Review 15

Laura L K.

Crown Point, IN, Dec 15, 2025, 4:05 PM

5.0

Mary Karabatak was an absolute pleasure to work with! She was very informative, quick, kind, and eased a lot of first time home buyer concerns of ours. I will recommend her to any one in the market for a home! She is fantastic! Thank you!

Review 16

Ethan B P.

Highland, IN, Dec 1, 2025, 6:12 PM

5.0

Fast transparent and very helpful through the entire process

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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Mary Karabatak

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: 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

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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.