Our History

In 1984, David L. Ruoff decided it was finally time to make a lifetime dream a reality. Having worked in the residential mortgage industry for several different companies since 1959, he knew there was a better way to meet the financial needs of his clients. In September 1984, Dave Ruoff Mortgage Co. was started. The name later changed to Ruoff Mortgage Company, Inc. and in 2009 the same entity began doing business as Ruoff Home Mortgage.

In 1994, Dave moved the company from its original office location in the Metro building in downtown Fort Wayne to a new 13,500 s.f. building on the city’s north side. Dave Ruoff personally took a hand in the design and layout of the new facility to ensure that it would meet the company’s needs for years to come. The move well positioned the company as it evolved from a mortgage broker to a mortgage bank. This location still serves as the company’s headquarters today.

In 2007, after more than two decades of success, Dave was faced with the challenge of creating a succession plan that would ensure his dream would continue to exist for generations to come. With significant involvement over the years from both his son, Christopher, and daughter, Sarah, Ruoff Home Mortgage had always been a family business. Dave wanted to keep it that way. To that end, his succession plan would ultimately include the addition of his son-in-law Mark Music, who, as president, was charged with the oversight and direction of all business operations.

Under Mark’s direction, the company grew from 18 employees to 23 branch locations and more than 400 employees. During that same period, loan volume grew from $68MM in 2007 to a company projected $1.1B in 2015.

In 2012, Dave Ruoff officially retired and Mark Music assumed the role of both President and CEO. Ruoff Home Mortgage is one of the Midwest’s fastest growing mortgage lenders, but its focus will always be its customers and the fulfillment of a service pledge undertaken by Dave Ruoff 29 years ago.

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