COLUMBUS OHIO HOME LOANS.
DONE RIGHT. DONE FAST. DONE WITH YOU.
COLUMBUS, OHIO MORTGAGE LENDERS

LOAN OFFICER

CHRIS BEAL

Christopher Beal is a Columbus, Ohio mortgage loan officer with over 24 years of experience helping Central Ohio families navigate one of the most important financial decisions of their lives. A former Branch Manager with deep operational knowledge of the mortgage process from every angle, Chris joined The Stewards team at Ruoff Mortgage to build something he had been working toward for years — a mortgage experience that does not end at the closing table.

Chris spent the early part of his career on the bank side of the mortgage industry, where he developed a precision-first approach to loan origination and a reputation for making complex transactions feel manageable. His branch management background means he understands not just the borrower's experience but the systems, compliance, and coordination that determine whether a closing goes smoothly or falls apart. For clients, that translates to fewer surprises, clearer communication, and a process that feels organized from day one.

What sets Chris apart is not the length of his career — it is what he has done with it. He has built his book of business in the Columbus metro area entirely through relationship-driven service, earning the trust of real estate agents and families who return to him not because he has the lowest rate but because he takes care of people the right way. His first job out of college was as a social worker. That instinct — to show up fully for the people in his care — never left. It just found a different expression.

Outside of work Chris is a proud husband and father of two sons whose schedules revolve around baseball and basketball. He brings the same values he holds at home — accountability, care, and genuine investment in the people around him — into every client relationship and every professional partnership he builds.

Chris Beal serves homebuyers, move-up buyers, and homeowners across Columbus, Dublin, Westerville, Hilliard, Powell, New Albany, Gahanna, Grove City, Reynoldsburg, and the greater Franklin County area.

NMLS #514071 | Ruoff Mortgage Company, Inc. NMLS #141868 | Equal Housing Lender | 8101 N High St Suite 300, Columbus OH 43235

SENIOR LOAN OFFICER

RYAN MIRACLE

Ryan Miracle is a Senior Loan Officer at Ruoff Mortgage (NMLS #497698) and the founder of The Stewards, a Central Ohio mortgage team specializing in helping millennial homebuyers and homeowners navigate the increasingly complex path to homeownership. A born-and-raised Central Ohioan and Ohio Northern University graduate, Ryan entered the mortgage lending industry during the 2008 financial crisis — when most were leaving — and has spent the past 19 years building a reputation as one of Columbus, Ohio's most trusted and knowledgeable loan officers. To date, Ryan and The Stewards team have helped more than 3,700 Ohio families close on a home, with a career loan volume approaching $750 million and a 98.39% customer satisfaction rating verified by independent third-party survey data.

What sets Ryan apart isn't just his numbers — it's his perspective. As an elder millennial raising a young family in Central Ohio, Ryan understands firsthand what it means to pursue a stable, meaningful life in a world that makes it harder every year. That lived experience shapes how he works: learning each client's story, solving loan problems that stump other lenders, and averaging just 15 days from application to clear-to-close. Whether working with first-time buyers, move-up homeowners, or those rebuilding after financial setbacks, Ryan brings the same combination of deep expertise and genuine care that has earned him hundreds of verified five-star reviews across Google, Ruoff's satisfaction platform, and industry review sites.

The Stewards team, affiliated with Ruoff Mortgage in Columbus, Ohio, is built on the belief that homeownership is still one of the most powerful tools for building a stable, generational life — and that every buyer deserves a loan officer who treats it that way. Ryan holds an active Ohio Mortgage Loan Originator license (OH: MLO.041765.000) and serves buyers across Central Ohio, including Columbus, Worthington, and surrounding communities.