Ruoff Mortgage Logo
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

JD Powell

VP | Branch Manager

NMLS: 1658599

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio
JD

97.3%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Robert J P.

Bedford, IN, May 28, 2026, 6:30 PM

JD his team were absolutely phenomenal! Not only that him and I have become the friends in the process! Great family feel and took very clear notice I was a 25 year retired veteran and made sure everything was perfect from the jump! Highly recommended!

David M.

Paoli, IN, Jun 12, 2026, 5:24 PM

J.D. was knowledgeable, patient and flexible to our needs. His flexibility, compassion and attention to detail was second to none. If I had questions day or night, J.D. was always ready to assist.

Kane M.

Avoca, IN, Jul 29, 2026, 3:07 PM

Made everything easy for me and explained the steps

Andrew K.

Loogootee, IN, Jun 16, 2026, 3:15 PM

Working with Ruoff, was a great experience. JD communicated well, lined everything out, and There was no hidden surprises. The interest Was good as well. I would recommend them for anyone looking to get a home mortgage loan!

Donna K G.

Bedford, IN, Mar 10, 2024, 9:14 PM

JD is a great Loan Officer who has helped us with 2 mortgages and they both were very quick to close. This last one, time was very important to us and JD made certain that it closed very quickly. He is very efficient with all that needs to get completed. Thank you Ruoff and JD for our new home 🏠! Mark and Donna Geyer

Kristy M Q.

Orleans, IN, Mar 15, 2024, 2:23 PM

JD was very knowledgeable and personable, he helped us navigate the mortgage loan process from across the country. He was very patient with us and our plethora of questions throughout the process.

Robert J P.

Bedford, IN, May 28, 2026, 6:30 PM

JD his team were absolutely phenomenal! Not only that him and I have become the friends in the process! Great family feel and took very clear notice I was a 25 year retired veteran and made sure everything was perfect from the jump! Highly recommended!

David M.

Paoli, IN, Jun 12, 2026, 5:24 PM

J.D. was knowledgeable, patient and flexible to our needs. His flexibility, compassion and attention to detail was second to none. If I had questions day or night, J.D. was always ready to assist.

Kane M.

Avoca, IN, Jul 29, 2026, 3:07 PM

Made everything easy for me and explained the steps

Andrew K.

Loogootee, IN, Jun 16, 2026, 3:15 PM

Working with Ruoff, was a great experience. JD communicated well, lined everything out, and There was no hidden surprises. The interest Was good as well. I would recommend them for anyone looking to get a home mortgage loan!

Donna K G.

Bedford, IN, Mar 10, 2024, 9:14 PM

JD is a great Loan Officer who has helped us with 2 mortgages and they both were very quick to close. This last one, time was very important to us and JD made certain that it closed very quickly. He is very efficient with all that needs to get completed. Thank you Ruoff and JD for our new home 🏠! Mark and Donna Geyer

Kristy M Q.

Orleans, IN, Mar 15, 2024, 2:23 PM

JD was very knowledgeable and personable, he helped us navigate the mortgage loan process from across the country. He was very patient with us and our plethora of questions throughout the process.

Cody Ray G.

Bedford, IN, Jun 19, 2026, 6:53 PM

J.D. Powell Was amazing to work with and extremely helpful throughout the entire proces.

Kelsie K.

Loogootee, IN, Jun 13, 2026, 11:11 PM

JD was quick to respond, knowledgable, & on top of the entire process. He made getting a mortgage a seamless & easy process.

Summer Justine D.

Bedford, IN, May 12, 2026, 3:12 PM

Working with our lender JD throughout the home buying process was such a great experience. JD was knowledgeable, responsive, patient, and always willing to answer our questions and help ease our stress during every step. Buying and selling a home at the same time can be overwhelming, but he made the process feel so much smoother and more manageable. We truly appreciated their communication, professionalism, and dedication to helping our family get into our new home. Highly recommend to anyone looking for a lender who genuinely cares about their clients!

Vincent L J.

Bedford, IN, May 6, 2026, 11:02 AM

It was very quick loved that

Lisa K C.

Bedford, IN, May 4, 2026, 3:16 PM

Staying in touch with the realtor and me made things go smoothly.

Karen L.

Bedford, IN, Apr 20, 2026, 6:07 PM

J.D. was absolutley the best and went above and beyond throughout the loan process. You are VERY lucky to have him on your team!

Peyton Alan F.

Heltonville, IN, Mar 7, 2026, 7:41 PM

Great customer service, clear consistent communication

Cody Ray G.

Bedford, IN, Jun 19, 2026, 6:53 PM

J.D. Powell Was amazing to work with and extremely helpful throughout the entire proces.

Kelsie K.

Loogootee, IN, Jun 13, 2026, 11:11 PM

JD was quick to respond, knowledgable, & on top of the entire process. He made getting a mortgage a seamless & easy process.

Summer Justine D.

Bedford, IN, May 12, 2026, 3:12 PM

Working with our lender JD throughout the home buying process was such a great experience. JD was knowledgeable, responsive, patient, and always willing to answer our questions and help ease our stress during every step. Buying and selling a home at the same time can be overwhelming, but he made the process feel so much smoother and more manageable. We truly appreciated their communication, professionalism, and dedication to helping our family get into our new home. Highly recommend to anyone looking for a lender who genuinely cares about their clients!

Vincent L J.

Bedford, IN, May 6, 2026, 11:02 AM

It was very quick loved that

Lisa K C.

Bedford, IN, May 4, 2026, 3:16 PM

Staying in touch with the realtor and me made things go smoothly.

Karen L.

Bedford, IN, Apr 20, 2026, 6:07 PM

J.D. was absolutley the best and went above and beyond throughout the loan process. You are VERY lucky to have him on your team!

Peyton Alan F.

Heltonville, IN, Mar 7, 2026, 7:41 PM

Great customer service, clear consistent communication

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
JD Powell

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.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium 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

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

President's Club

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

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

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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.