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Year started: 2001. Years of experience: 25.
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Gene Cooney

VP | Branch Manager

NMLS: 438579 | KY: MC828003

Helping homebuyers move faster with clear guidance, smart options, and a simpler path to closing.

Read full bio
Gene

97.09%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

25

Years of helping homeowners like you.

Proudly serving Indiana, Kentucky

Meet our happy homeowners***

View All Testimonials

Review 1

Mukesh Kumar J.

Columbus, IN, Jul 29, 2025, 3:56 PM

5.0

Getting all updates on time and helped where I needed.Thank you.

Review 2

Eric W S.

Batesville, IN, Dec 17, 2023, 8:14 PM

5.0

Gene was terrific. It didn't matter what time of day it was, late evening, he was there for us. He made our experience as easy as it could be, and we were able to close on our home very quickly. We will recommend Gene to any of our friends that are looking for a home.

Review 3

Dustin Michael P.

Seymour, IN, Dec 15, 2023, 9:24 PM

5.0

Being first time home buyers, the process can be overwhelming. Gene was completely understanding, always taking time to answer any questions that we had within minutes. We were super impressed by his great communication skills throughout the entire process!

Review 4

Jamie A B.

Seymour, IN, Aug 11, 2026, 3:05 PM

5.0

Fast and clear communication. Gene was great to work with.

Review 5

Debra Kaye B.

Shelbyville, IN, Jul 31, 2026, 8:16 PM

5.0

Communication was amazing

Review 6

Brian Scott H.

GREENSBURG, IN, Jul 28, 2026, 5:12 PM

5.0

Gene was really helpful and understanding of my situation and timeline.

Review 7

Jeremy Brandon D.

Greensburg, IN, Jul 14, 2026, 3:05 PM

5.0

Gene Cooney was amazing. Easiest mortgage experience ever!

Review 8

Cassandra A G.

Westport, IN, Jun 20, 2026, 4:41 PM

5.0

Gene is knowledgeable and quick with his work! Greatly appreciated!

Review 1

Mukesh Kumar J.

Columbus, IN, Jul 29, 2025, 3:56 PM

5.0

Getting all updates on time and helped where I needed.Thank you.

Review 2

Eric W S.

Batesville, IN, Dec 17, 2023, 8:14 PM

5.0

Gene was terrific. It didn't matter what time of day it was, late evening, he was there for us. He made our experience as easy as it could be, and we were able to close on our home very quickly. We will recommend Gene to any of our friends that are looking for a home.

Review 3

Dustin Michael P.

Seymour, IN, Dec 15, 2023, 9:24 PM

5.0

Being first time home buyers, the process can be overwhelming. Gene was completely understanding, always taking time to answer any questions that we had within minutes. We were super impressed by his great communication skills throughout the entire process!

Review 4

Jamie A B.

Seymour, IN, Aug 11, 2026, 3:05 PM

5.0

Fast and clear communication. Gene was great to work with.

Review 5

Debra Kaye B.

Shelbyville, IN, Jul 31, 2026, 8:16 PM

5.0

Communication was amazing

Review 6

Brian Scott H.

GREENSBURG, IN, Jul 28, 2026, 5:12 PM

5.0

Gene was really helpful and understanding of my situation and timeline.

Review 7

Jeremy Brandon D.

Greensburg, IN, Jul 14, 2026, 3:05 PM

5.0

Gene Cooney was amazing. Easiest mortgage experience ever!

Review 8

Cassandra A G.

Westport, IN, Jun 20, 2026, 4:41 PM

5.0

Gene is knowledgeable and quick with his work! Greatly appreciated!

Review 9

David A W.

Greensburg, IN, Jun 13, 2026, 12:25 AM

5.0

If i ever had any questions gene was there in one phone call..also kept me up to date on what was needed and by when...great service...

Review 10

April Dawn H.

Greensburg, IN, Jun 2, 2026, 3:10 PM

5.0

Always there when I needed anything it was always clear what they needed from me!

Review 11

Dustin B.

Greensburg, IN, May 30, 2026, 11:11 PM

5.0

Gene went out of his way to steer me to the correct choice, he was available Monday-Sunday anytime I had a question and really made the home buying process enjoyable, I have already recommended 3 of my friends looking to buy use Gene, u guys got yourself a GREAT representation of your business in Gene! I cant express enough how much i I learned because not only was he my mortgage broker but he would explain why we were making the decision we were making!! Very satisfied!!!

Review 12

Luis A M.

Greensburg, IN, May 17, 2026, 3:01 PM

5.0

Gene was always available for all inquiries. He was absolutely diligent, sometimes working after hours. Hes support through out all the process made the experience worth every moment, mostly on stressful times. We appreciate everything he did for us.

Review 13

Erika Paige F.

Greensburg, IN, May 27, 2026, 12:29 PM

5.0

Personable, reliable, pushed for things to get done!

Review 14

Erik Gene D.

Columbus, IN, May 16, 2026, 9:50 PM

5.0

gene was absolutely wonderful. in situations like purchasing a house, there is a lot going on. Gene was really good at keeping me informed and requesting documents but didnt blow up my phone like some have done in the past. He was great with communicating any way that I wanted to , text email or phone.

Review 15

Matthew C J.

Laurel, IN, May 26, 2026, 3:25 PM

5.0

Gene was very friendly and very helpful. He was very professional and answered every question that I had. Gene made this whole process super easy for me.

Review 16

Dylan James Y.

Seymour, IN, May 26, 2026, 3:04 PM

5.0

Gene was extremely helpful. Any questions or concerns we had, Gene was quick to answer and ensure we understood. This is our first home and Gene made the process very smooth.

Review 9

David A W.

Greensburg, IN, Jun 13, 2026, 12:25 AM

5.0

If i ever had any questions gene was there in one phone call..also kept me up to date on what was needed and by when...great service...

Review 10

April Dawn H.

Greensburg, IN, Jun 2, 2026, 3:10 PM

5.0

Always there when I needed anything it was always clear what they needed from me!

Review 11

Dustin B.

Greensburg, IN, May 30, 2026, 11:11 PM

5.0

Gene went out of his way to steer me to the correct choice, he was available Monday-Sunday anytime I had a question and really made the home buying process enjoyable, I have already recommended 3 of my friends looking to buy use Gene, u guys got yourself a GREAT representation of your business in Gene! I cant express enough how much i I learned because not only was he my mortgage broker but he would explain why we were making the decision we were making!! Very satisfied!!!

Review 12

Luis A M.

Greensburg, IN, May 17, 2026, 3:01 PM

5.0

Gene was always available for all inquiries. He was absolutely diligent, sometimes working after hours. Hes support through out all the process made the experience worth every moment, mostly on stressful times. We appreciate everything he did for us.

Review 13

Erika Paige F.

Greensburg, IN, May 27, 2026, 12:29 PM

5.0

Personable, reliable, pushed for things to get done!

Review 14

Erik Gene D.

Columbus, IN, May 16, 2026, 9:50 PM

5.0

gene was absolutely wonderful. in situations like purchasing a house, there is a lot going on. Gene was really good at keeping me informed and requesting documents but didnt blow up my phone like some have done in the past. He was great with communicating any way that I wanted to , text email or phone.

Review 15

Matthew C J.

Laurel, IN, May 26, 2026, 3:25 PM

5.0

Gene was very friendly and very helpful. He was very professional and answered every question that I had. Gene made this whole process super easy for me.

Review 16

Dylan James Y.

Seymour, IN, May 26, 2026, 3:04 PM

5.0

Gene was extremely helpful. Any questions or concerns we had, Gene was quick to answer and ensure we understood. This is our first home and Gene made the process very smooth.

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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Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.
Gene Cooney

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 and available to answer any questions. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a 5 Star 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.

President's Club Award

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Frequently Asked, Frequently Answered

Starting with clear, direct answers to the questions that matter most to your future.

A couple looking at a phone smiling.

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence. 

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Have a question we didn't cover?

Ask me directly.

Call Gene

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, Kentucky

Gene Cooney

VP | Branch Manager

NMLS: 438579

KY: MC828003

My Operating Hours

Available 24/7

Ruoff Mortgage Logo White

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.