High Contrast:
Get Started
Picture of Ryan Miracle
Picture of Ryan Miracle

Hi, I'm Ryan!

Senior Loan Officer

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

98.82% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Ryan!

Senior Loan Officer

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

98.82% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I was born and raised in central Ohio, attended Ohio Northern University, and now I’m proud to be raising my young family here. I love central Ohio and love helping the people here find their first, next or dream home. I’m good at problem solving home loan problems that other lenders struggle to figure out.

Having been in real estate since I was a kid, my mortgage knowledge is tough to match. I got into the mortgage lending industry during the 2008 crash, and have helped over 3,700 dreamers fulfill their homeownership goals. As an elder millennial, I can speak the language of those just starting out and those in their golden years. It is important to me that I learn your story, so that I can make your home buying experience better by knowing what truly matters to you.

I enjoy working as a mortgage broker, and feeling productive and useful to the people around me. I really enjoy teaching Realtors in continuing education classes that give them additional skill to serve their clients at a higher level. Real estate provides a good living for my family, but my reward comes from helping as many families as possible, helping others around me grow, and bringing my best for my clients every single day.

Get Started

President's Club Member

President's club seal 2020

What is your goal?

Buy a Home

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

Refinance

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

  • Review 1

    Source of Rating Icon

    I appreciate that Ryan was practically available 24/7. Whenever my family had questions, he would call us right away and walk us through the answer. Ryan is friendly, knowledgeable, and very realistic. There weren't any surprises in our experience, and my husband and I felt like we were really listened to. All of our questions were answered in a timely manner. Ryan took the time to really get to know us and what we wanted from buying our first-time home. His team worked quickly and had clear communication the entire time. We were able to close on our house in 14 days... from starting the lender process at the beginning of July, finding a house and putting in an offer in mid-July, and then closing on August 1st. Ryan's fast service was comforting and helpful. Thank you Ryan for your hard work and dedication to our family!

    Hannah P B.

    Pataskala, OH, August 8th, 2023 05:09 PM

  • Review 2

    Source of Rating Icon

    I felt that Ryan went above and beyond. He was always available and answered questions quickly, and just overall I felt like he really cared. I just felt that I could trust him, and that he was on our side.

    Zachary J S.

    SUNBURY, OH, March 11th, 2024 11:06 AM

  • Review 3

    Source of Rating Icon

    Everything! Communication, education, and everything we didn't know we needed We've been taken care of through and through .

    Autumn R D.

    Columbus, OH, April 24th, 2025 12:47 PM

  • Review 4

    Source of Rating Icon

    Ryan was a true MIRACLE! He is knowledgeable, professional, kind and courteous. My wife is a realtor and always recommenda Ryan. He has always there with positive outlook to even the worse situations. He is AMAZING:-)

    Ronald L B.

    Lancaster, OH, April 12th, 2025 10:14 AM

  • Review 5

    Source of Rating Icon

    Ryan went above and beyond and was not only knowledgeable and helpful but also kind and compassionate. We very highly recommend and appreciate him!

    Natalie S.

    Dublin, OH, April 8th, 2025 11:12 AM

  • Review 6

    Source of Rating Icon

    Ryan was everything we didn’t know we needed. From start to finish, he was incredibly helpful, patient with our many questions, and gracious when we came back with even more. He went above and beyond by connecting us with trusted realtors, and together they formed an amazing team that guided us through the entire home-buying process. We always felt supported, informed, and confident in our decisions thanks to Ryan's expertise and care. We truly couldn’t have asked for a better experience!

    Autumn D.

    April 17th, 2025 10:08 AM

  • Review 7

    Source of Rating Icon

    A business where their word matters!

    Angie M M.

    Zanesville, OH, April 1st, 2025 11:12 AM

  • Review 8

    Source of Rating Icon

    The communication, knowledge, and promptness was very impressive. Ryan and his team delivered everything as promised and more. Very satisfied. Thanks again everyone!

    Cody A W.

    Springfield, OH, March 19th, 2025 04:13 PM

  • Review 9

    Source of Rating Icon

    Everything was easy and went off without a hitch.

    Thomas P.

    Westerville, OH, March 22nd, 2025 12:41 PM

  • Review 10

    Source of Rating Icon

    Ryan is professional, effecient, and was prompt to respond to any questions or concerns I had through the mortgage process.

    Daniel P C.

    Columbus, OH, March 18th, 2025 12:51 PM

  • Review 11

    Source of Rating Icon

    Everything went smoothly with no bumps in the process to speak of.

    Nathaniel P.

    Delaware, OH, February 4th, 2025 11:26 AM

  • Review 12

    Source of Rating Icon

    Ryan was ontop of everything! any questions he answered quickly. He was wonderful to work with and made our house buying experience quick and easy!!!

    David J D.

    Columbus, OH, February 3rd, 2025 11:21 AM

  • Review 13

    Source of Rating Icon

    Ryan was so easy to work with and very helpful. Alway available to answer our questions and I feel he explained the process very well. Ryan made buying our 1st home easy and seamless. Thank you very much.

    Thomas E M.

    Marion, OH, January 22nd, 2025 07:24 PM

  • Review 14

    Source of Rating Icon

    Ryan is an outstanding human - his attention to detail and willingness to answer questions and explain the process was greatly appreciated.

    Kelly E K.

    Delaware, OH, November 11th, 2024 11:36 AM

See More

Why should you choose Ruoff?

59

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

41

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2024 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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.

Stay connected.

I would love to hear from you!

Call me at 740.361.0009 or message me below!

Download our !