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Ryan Frantz

SVP | Area Manager

NMLS: 110316 | KY: MC423296 | OH: MLO.045624.000

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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Ryan

98.95%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Texas, Wisconsin

Meet our happy homeowners***

View All Testimonials

Review 1

Donnell David W.

Olney, IL, Oct 28, 2026, 1:19 AM

5.0

The highest level of professionalism with every conversation. Always keeping me aware amd up to date of the process as we went along.

Review 2

Tennille R F.

Olney, IL, Oct 19, 2026, 12:38 PM

5.0

The process was very quick and easy. The Butler portal was very easy to use and I appreciated the ability to upload documents easily and view the status of the loan. Ryan was always available and assisted with any questions or concerns.

Review 3

Allie M R.

Noblesville, IN, Mar 21, 2026, 7:39 PM

5.0

We had a fantastic experience with Ryan as our loan officer . He is great to work with and very knowledgeable about his work. This is our second time working with him and we will continue coming to him as well as recommending him!

Review 4

Rachel A H.

Avon, IN, Mar 15, 2026, 4:13 PM

5.0

Ryan is the best Loan Officer! I would recommend him over and over again! I have used him with getting loans on a couple of the properties now, and he has always gone above and beyong for me. This most current Purchase, he texted, called, and communicated at all times of the day. He even was on vacation at one point, in another country and was still communicating with me on updates. He always takes his time to explain and answer all my questions, and made sure i was comfortable and understood everything I was signing and all the details of the process. He even took into consideration how the loan would adjust a year after closing so i would not be surprised down the road with anything. I know i can trust him, and his advice! He is the Best!!!

Review 5

Alyssa H.

Indianapolis, IN, Nov 3, 2026, 4:14 PM

5.0

Ryan was always available, friendly and kept our costs down as much as possible. He also has a future plan in place to reevaluate our interest rate next year. It was a pleasure working with him. Loan butler also made closing so easy and quick!

Review 6

Spencer S.

Indianapolis, IN, Jun 25, 2024, 2:53 PM

5.0

Ryan was incredible; great communication, simplified everything for me (a first time buyer), executed every step in a timely manner, and worked to be transparent and open to any questions I had. He also communicated with me via email and text which I preferred and appreciated. Can’t say enough good things about him and his team. Thank you!

Review 7

Darien L.

Mount Carmel, IL, Nov 19, 2024, 7:29 PM

5.0

From the very first contact Ryan Frantz, exceeded our expectations. We heard about his outstanding work through one of my coworkers who referred us to Ruoff. My husband and I went into the conversation having no idea where we stood and with virtually nothing prepared to make a home purchase, we were just 'checking into things.' Ryan instilled confidence in our ability to achieve our dreams. We found and purchased a home that very same month. The entire process Ryan was a phone call away and made us feel very safe and supported. His transparency is unmatched and made the process ridiculously easy and seamless. I could write a book about how well he exceeded our expectations. I will be recommending him to all of our friends and family looking to buy a home! Thank you Ryan!

Review 1

Donnell David W.

Olney, IL, Oct 28, 2026, 1:19 AM

5.0

The highest level of professionalism with every conversation. Always keeping me aware amd up to date of the process as we went along.

Review 2

Tennille R F.

Olney, IL, Oct 19, 2026, 12:38 PM

5.0

The process was very quick and easy. The Butler portal was very easy to use and I appreciated the ability to upload documents easily and view the status of the loan. Ryan was always available and assisted with any questions or concerns.

Review 3

Allie M R.

Noblesville, IN, Mar 21, 2026, 7:39 PM

5.0

We had a fantastic experience with Ryan as our loan officer . He is great to work with and very knowledgeable about his work. This is our second time working with him and we will continue coming to him as well as recommending him!

Review 4

Rachel A H.

Avon, IN, Mar 15, 2026, 4:13 PM

5.0

Ryan is the best Loan Officer! I would recommend him over and over again! I have used him with getting loans on a couple of the properties now, and he has always gone above and beyong for me. This most current Purchase, he texted, called, and communicated at all times of the day. He even was on vacation at one point, in another country and was still communicating with me on updates. He always takes his time to explain and answer all my questions, and made sure i was comfortable and understood everything I was signing and all the details of the process. He even took into consideration how the loan would adjust a year after closing so i would not be surprised down the road with anything. I know i can trust him, and his advice! He is the Best!!!

Review 5

Alyssa H.

Indianapolis, IN, Nov 3, 2026, 4:14 PM

5.0

Ryan was always available, friendly and kept our costs down as much as possible. He also has a future plan in place to reevaluate our interest rate next year. It was a pleasure working with him. Loan butler also made closing so easy and quick!

Review 6

Spencer S.

Indianapolis, IN, Jun 25, 2024, 2:53 PM

5.0

Ryan was incredible; great communication, simplified everything for me (a first time buyer), executed every step in a timely manner, and worked to be transparent and open to any questions I had. He also communicated with me via email and text which I preferred and appreciated. Can’t say enough good things about him and his team. Thank you!

Review 7

Darien L.

Mount Carmel, IL, Nov 19, 2024, 7:29 PM

5.0

From the very first contact Ryan Frantz, exceeded our expectations. We heard about his outstanding work through one of my coworkers who referred us to Ruoff. My husband and I went into the conversation having no idea where we stood and with virtually nothing prepared to make a home purchase, we were just 'checking into things.' Ryan instilled confidence in our ability to achieve our dreams. We found and purchased a home that very same month. The entire process Ryan was a phone call away and made us feel very safe and supported. His transparency is unmatched and made the process ridiculously easy and seamless. I could write a book about how well he exceeded our expectations. I will be recommending him to all of our friends and family looking to buy a home! Thank you Ryan!

Review 8

Hannah K.

Olney, IL, Mar 17, 2025, 3:11 PM

5.0

Ryan was super friendly and kept us up to date on the process. He explained everything very well.

Review 9

Scott J.

Zionsville, IN, Jun 26, 2025, 3:51 PM

5.0

Ryan and Stacy were fantastic to work with. Closed the loan in amazing smowed and there were no hiccups or surprises. Will use them again and would would refer anyone to use them as well! Great experience.

Review 10

Carey D.

Hebron, KY, Jul 12, 2024, 7:15 PM

5.0

Ryan has helped us buy and refinance several times over the past 10+ years. He makes the process so easy and doesn’t grow tired of my endless questions. He’s fun, personable and very knowledgeable. We greatly appreciate his professional guidance in making a complicated, daunting process as simple, easy and fun as possible. Thank you Ryan at Ruoff, my favorite mortgage dude!!

Review 11

Samuel Madud Sabino A.

Camby, IN, Nov 2, 2026, 4:42 PM

5.0

Thank you so much

Review 12

Ian D F.

Olney, IL, Oct 20, 2026, 3:32 PM

5.0

The communication was outstanding and the ease of the app made it wonderful

Review 13

Joseph B.

Elwood, IN, Oct 9, 2026, 3:21 PM

5.0

Overall experience was great.

Review 14

Laura B.

Elwood, IN, Oct 8, 2026, 10:59 PM

5.0

Ryan was great through the whole process!

Review 15

Joshua Michael A.

Noblesville, IN, Sep 18, 2026, 12:16 PM

5.0

Clear communications and follow up to keep us on track and informed at all times. Super knowledgeable and made it understandable.

Review 8

Hannah K.

Olney, IL, Mar 17, 2025, 3:11 PM

5.0

Ryan was super friendly and kept us up to date on the process. He explained everything very well.

Review 9

Scott J.

Zionsville, IN, Jun 26, 2025, 3:51 PM

5.0

Ryan and Stacy were fantastic to work with. Closed the loan in amazing smowed and there were no hiccups or surprises. Will use them again and would would refer anyone to use them as well! Great experience.

Review 10

Carey D.

Hebron, KY, Jul 12, 2024, 7:15 PM

5.0

Ryan has helped us buy and refinance several times over the past 10+ years. He makes the process so easy and doesn’t grow tired of my endless questions. He’s fun, personable and very knowledgeable. We greatly appreciate his professional guidance in making a complicated, daunting process as simple, easy and fun as possible. Thank you Ryan at Ruoff, my favorite mortgage dude!!

Review 11

Samuel Madud Sabino A.

Camby, IN, Nov 2, 2026, 4:42 PM

5.0

Thank you so much

Review 12

Ian D F.

Olney, IL, Oct 20, 2026, 3:32 PM

5.0

The communication was outstanding and the ease of the app made it wonderful

Review 13

Joseph B.

Elwood, IN, Oct 9, 2026, 3:21 PM

5.0

Overall experience was great.

Review 14

Laura B.

Elwood, IN, Oct 8, 2026, 10:59 PM

5.0

Ryan was great through the whole process!

Review 15

Joshua Michael A.

Noblesville, IN, Sep 18, 2026, 12:16 PM

5.0

Clear communications and follow up to keep us on track and informed at all times. Super knowledgeable and made it understandable.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Ryan Frantz

A Bit About Me

I help homebuyers throughout the Midwest navigate their mortgage options with clarity and confidence. My wife Erika and daughters Lexie and Vivie are at the heart of why relationships matter so much to me—every client should feel they have a friend and a lifelong trusted professional guiding them through the process.

Drawing on 25+ years in lending after my baseball career at Indiana University, I joined Ruoff in 2012 and helped build our team of thirteen branches in Central Indiana. I combine practical expertise with insight and genuine care to match each client with the ideal loan program making the process straightforward with consistent communication. Contact me to get started today.

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.

President's Club Award

President's Club

12x 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.*

Proudly serving Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Texas, Wisconsin

Ryan Frantz

SVP | Area Manager

NMLS: 110316

KY: MC423296

OH: MLO.045624.000

My Operating Hours

Available 24/7

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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.

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******†††‡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.