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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Ryan Frantz
Picture of Ryan Frantz

Hi, I'm Ryan!

SVP Area Manager

I will work hard to help you achieve your homeownership goals.

98.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Ryan!

SVP Area Manager

I will work hard to help you achieve your homeownership goals.

98.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Let me help you get pre-approved today!

With over two decades of mortgage lending and executive experience, I merge hard-working, real-world expertise with cleverness, insight, humor, urgency, and care in my special approach to assisting my clients in finding the right loan program for them. As a Sr. Loan Officer, I know that my job is not simply to facilitate the loan; my job is to be a trusted counselor. Home-buying can be a difficult, stressful, and often scary experience. A great counselor allows clients to feel safe and provides excellent service every step of the way.

Continually seeking new personal and professional performance levels, I deliver success with attention to detail, personal challenges, and relentless follow-through. I pride myself on originality and progressive ideas. I believe that originating is a noble profession and that mortgage professionals who act in the best interest of their customers provide a valuable service to society.

After completing my 4-year collegiate career as a letterman for the Indiana University- Bloomington Men's Baseball Team, I graduated with a B.S. in Sports Marketing & Management. I began my mortgage career as a Loan Officer for Beazer Mortgage in 1999. I perfected my skill and progressed to management and executive positions for the mortgage arm of National Top Ten & Fortune 500 Homebuilder, Beazer Homes. I then flexed my entrepreneurial spirit and joined forces with Amy Robbins to head up the Robbins/Frantz Mortgage Planning Team through Fairway Independent Mortgage. In 2012, I seized the opportunity to join Midwest powerhouse Ruoff Mortgage as SVP - Area Manager of the Central Indiana division. Since joining Ruoff, I've helped build a team of nine branches with over 100 employees. On a personal loan origination note, I've reached the Scotsman's Guide of Top 1% Loan Originators in the US in 2019 and 2020.

I reside in Carmel with my wife, Erika, and our daughters, Lexie and Vivie. Erika is a Top Producing REALTOR with Berkshire Hathaway Home Services. Erika and I find deep happiness spending time with our family and friends and enjoying community and church activities. I was born and raised in Marion, Indiana. I have deep roots in Indiana and am proud to be a Hoosier.

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President's Club Member

President's club seal 2014
President's club seal 2015
President's club seal 2016
President's club seal 2017
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • I was a Dentist for 42 years until I got "The Virus" in Jan., 2020. By the time I got well, everything was shut down and I had to live off my credit cards (NOT GOOD). I got a part-time job in Sept. picking up and delivering for a dental lab, but there was no way I was going to be able to pay down/off my credit card debt. My accountant suggested Ryan Frantz, one of his clients, and I was very pleased how caring he was and how "painless" he made the procedure compared to previous refinance experiences. My credit card debt is consolidated and I even got a little extra to help pay bills as they pop up instead of putting them off. I will definitely recommend Ryan and Ruoff to anyone I know who needs such services!

    Thomas L, happy client
  • Ryan was awesome to work. Always gave me the time to clarify questions I needed answered.

    Alistair H, happy client
  • Ryan was amazing to work with. He took the time to explain to me my options and was always quick to reply to all my questions. I’m recommending my friends and family use Ruoff. You all are great!

    Kimberly D, happy client
  • This is my 3rd or 4th transaction with Ryan and he has always been fantastic. I have kept extremely high expectations around customer service so the best anyone could realistically hope for is to meet them but he consistently exceeds.

    Travis M, happy client
  • Ryan was super helpful in the whole process. He answered any and all of my questions and made the process super easy.

    Jack S, happy client
  • Everything went beautifully. Our loan was probably a hard one because we had some credit issues in the past but with Ryan's advice on how to fix that, we were able to buy a beautiful home for our daughters to grow up in.

    Sandra F, happy client
  • I was referred to Ryan over three years ago when I moved to IN from IL and had been misled by a different mortgage company and thought I wouldn’t get to close on my new constructed home. Ryan was very helpful and informative from the start and explained everything good or bad so it was clear. Since then I have now closed on two homes and done a refinance and will use Ryan for the next time as well. I highly recommend Ryan to anyone I know that is considering a purchase or refinance.

    Josephine W, happy client
  • Communication with Ryan was outstanding! He made everything so quick and simple. I loved having the Loan Butler App to see when I needed to sign something. Also, I enjoyed the updates via text or a quick phone call from Ryan!

    Daniel W, happy client
  • Very satisfied with your performance in acquiring our refi. Ryan Frantz was extremely helpful, polite, and courteous.

    Carl C, happy client
  • I originally was with another lender. After two weeks, we began having appraisal issues and the loan officer admitted it was an awful appraisal but they simply would not dispute it. I was put in touch with Ryan and he had my loan application to clear to close in one week with not a single issue. It was the easiest process I had ever had. Ryan was sensitive to the fact that I was already highly stressed out with the transaction and took so much of the burden off my shoulders. He and his assistant were exceptional!

    Kayla H, happy client
  • Ryan was so incredible at keeping me informed on items needed, helping me stay on track and getting everything done on time. I will honestly never work with anyone other than him if possible. This guy was A++ I will be leaving Ryan and Ruoff amazing reviews on multiple websites like nextdoor and Yelp. I've purchased 8 properties in my life and never had someone as good as this guy to work with. Thank you for helping us get our dream home!!

    Joshua G, happy client
  • Ryan Franz has helped us with 3 refis over the years. A super nice guy with a great memory.

    DeShawn V, happy client
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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.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 317.538.0849 or message me below!

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