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Meet the Team

Zipfel Mortgage Group Photo

Michael Zipfel

Michael Zipfel Mortgage Group

Michael Zipfel, the founder and President of Zipfel Mortgage Group, has been in the mortgage business since graduating from Miami University with a degree in finance in 2001.

Focusing on a fundamentally sound approach to home finance, Michael realized early in his career that providing the most aggressive rates and terms requires a low overhead structure. In addition, Michael's analytical approach to mortgage enables him to maximize his clients' dollars by aptly providing advice and product placement based on each client's particular situation, taking into consideration each borrower's ownership horizon, credit & income scenario, downpayment/equity position, and foreseeable life changes, all of which play a major role when selecting a mortgage product.

With an emphasis on providing no cost/low cost mortgage options, Mr. Zipfel provides lending solutions that minimizes the risk of financial loss due to life’s curveballs, while still providing scenarios that provide undeniable benefit to the borrower.

Tim O'Brien

Tim O'Brien - Zipfel Mortgage Group

Tim joined Zipfel Mortgage Group in early 2010 & was the first team member to join Mr. Zipfel. After being introduced to Mr. Zipfel in 2009, Tim knew his sales expertise matched with Mr. Zipfel's banking relationships and finance acumen was a recipe for a wonderful business relationship.

Tim’s role as Vice President at Zipfel Mortgage Group is very simple; providing an unparalleled level of customer service & execution for ZMG clients. He thinks of himself as a mortgage planner as he prides himself in tailoring the mortgage with his clients short & long term financial or business plan. Tim works directly with his clients wealth managers, real estate brokers, CPA & attorneys to ensure the mortgage aligns with the overall financial plan.

Tim has been recognized by his peers in the Greater Cincinnati Mortgage Bankers Association (GCMBA) & The Cincinnati Business Courier as a top producing loan originator in all of Greater Cincinnati in terms of total loan volume & average loan size. He has also been featured in The Cincinnati Business Courier’s “Ask the Expert” in their annual mortgage publication.

Tim is a lifelong Cincinnati resident as he holds a bachelor’s degree from Xavier University and is a graduate of The Summit Country Day School. He holds mortgage licenses in both Ohio and Kentucky.

Outside of work, Tim is a real estate investor and an active member in the community. He has been a member of the Cincinnati Youth Collaborative aimed at providing guidance to inner-city youth and is a member of several local young professional organizations. He lives in the Cincinnati neighborhood of Mt. Lookout with his wife, Emily & daughter, Grace.

Blake Zaring

Blake Zaring - Zipfel Mortgage Group

As Business Manager, Blake is responsible for running the operations of the company. He oversees marketing, deal support, client retention efforts, office efficiency & daily implementation of the company mission.

In his Development role, Blake is charged with both nurturing and expanding in-house residential & commercial banking partners as well as leading company growth strategies thru client focused professionals: wealth managers, builders, realtors, CPA’s, insurance experts, to name a few.

Adding thoughtful prospective, Blake has been a featured professional radio guest on “Business Wise” WNKU discussing market trends and lending best practices.

Blake is a passionate advocate for the Cincinnati community. Present and past affiliations include:

Dan Beard Council, Board Member; Professional Leadership Network, Board Member & Co-Chair; University Club of Cincinnati, Board President; Cincinnati Squash Academy , Futures Board Member

Blake received his Bachelors of Science degree from University of Denver, Daniels College of Business. He is an avid squash player & downhill skier.

Rick Ruehlmann

Rick Ruehlmann - Zipfel Mortgage Group

Rick joined the Zipfel Mortgage team in October of 2014 after spending a decade as Regional Vice President at Union Savings Bank. In addition to building a successful commercial and residential lending division at Union, Ruehlmann was also a nationally-recognized loan originator.

Rick’s lending philosophy is simple – provide your clients with strategic options that best meet their needs. Following this principle, Rick has established himself as a “go-to” mortgage professional in the Custom Home Building community, as well as the high-end purchase market. Joining Zipfel Mortgage has given him access to the niche products of numerous lenders, enabling Rick to take this philosophy to a whole new level. Rick also serves as a mortgage consultant to many of the members of his church, where he regularly provides pro bono counseling. This consultative approach is punctuated by Rick’s credo – I believe in Relationships, not Transactions.

Ruehlmann, a Notre Dame grad & Duke MBA, seasoned his executive skill set at Procter & Gamble and Coca-Cola. An entrepreneur at heart, he has founded a series of successful small business ventures, including a commercial real estate lending firm.

Rick and Mike Zipfel are long-time friends in the banking industry, and with their shared skill set and integrity package, Zipfel Mortgage was a perfect fit for Ruehlmann’s residential clients.

Kurt Weil

Kurt Weil - Zipfel Mortgage Group

Kurt joined Zipfel Mortgage Group after a long career within the commercial real estate industry. Previously VP of Business Lending at two privately held collectives, Kurt has been responsible for lending in excess of $300,000,000 in commercial paper within the Greater Cincinnati market.

Furthermore, now within broker model, Kurt is able to match a variety of competitive lenders to each specific deal. This flexible foundation offers Kurt’s clients a wealth of solutions in navigating the debt placement industry.

Kurt specializes in multi-family, office, and medical, industrial, flex and retail. Kurt also has a strong background in SBA lending, being able to provide clients 7(a) and 504 options to small businesses looking to grow.

Kurt holds a bachelor’s degree from Hillsdale College and is a graduate of Elder High School.

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