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With more than 26 years of mortgage experience, Jodi Vermillion has built her career on helping people make confident home financing decisions. As Vice President and Branch Manager of the Hilliard Branch home of the Vermillion Lending Team at Ruoff Mortgage, she is known for honest advice, clear communication, and a commitment to putting her clients first.
Whether you're buying your first home, moving, refinancing, investing, or purchasing before selling your current home, Jodi and her team provide personalized guidance from preapproval through closing. They offer a full range of mortgage solutions, including Conventional, FHA, VA, USDA, Jumbo, Construction, Renovation, DSCR, and Bank Statement loans.
Jodi is also a proud affiliate of the Homes for Heroes® program, helping those who serve our communities access valuable homeownership benefits. Licensed in 14 states, she is committed to building lasting relationships and serving as a trusted resource long after closing.
When you work with Jodi, you can expect experience, responsiveness, and a team that is dedicated to helping you achieve your homeownership goals.
2019
2021
2022
2023
2024
2025
OHFA Processing Delays in Ohio: Is Home Now a Better Option?
Jul 22, 2026
Homes for Heroes in Ohio: Everything You Need to Know
Jul 21, 2026
How to Buy a Home Before Selling Yours with a Knock Bridge Loan
Jul 21, 2026
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Working with Jodi and her team for my refinance was truly a wonderful experience. This wasn’t the first time I’ve worked with her either—she also handled my original loan about 10 years ago—and she was just as incredible this time around as she was back then. From start to finish, Jodi and her team went above and beyond to make the process smooth, clear, and stress-free. They were always quick to answer questions, explain every step, and make sure I felt confident about the decisions being made. Refinancing can sometimes feel overwhelming, but their professionalism, communication, and genuine care made the entire experience easy. What really stands out is the level of dedication and personal attention they provide. It never felt like I was just another transaction—they truly cared about helping me find the best solution for my situation. The fact that I trusted Jodi again after 10 years says everything about the kind of service she provides. If you’re looking for a knowledgeable, trustworthy team that will go the extra mile for you, I highly recommend Jodi and her team. I’m incredibly grateful for their help both then and now.
Caitlin R A.Columbus, OH, March 12th, 2026 11:12 AM
We’re incredibly thankful to have had Jodi, Kirsten, and the entire team guiding us through the journey of buying our first home. From our very first meeting, everything was explained clearly, and their support never wavered. The entire process was smooth, fast, and most importantly, stress-free. They were always available to answer questions, provide guidance, and made us feel confident every step of the way. Their professionalism and dedication turned what could’ve been an overwhelming experience into a truly exciting milestone. We couldn’t have asked for a better team to work with. Thank you for making our dream of homeownership a reality! 💙
Jacqueline A.Pickerington, OH, September 2nd, 2025 07:07 AM
I highly recommend Jodi and her team when financing your home! We were first-time home buyers and from start to finish, Jodi made sure we understood the process and her team was very communicative about next steps and deadlines. During our home-buying process, everyone was telling us "Buying a home is so stressful!" but not with Jodi's team. It felt like a breeze and before we knew it, we were closing on our first home! We will definitely be recommending Jodi to our friends and family.
Anna Bell K.Columbus, OH, December 17th, 2025 02:22 PM
Jodi was spectacular!!! She went above and beyond!!!
Megan B C.Thornville, OH, May 26th, 2023 12:03 PM
I could not be more satisfied with the process. Lisa Ferguson was more than available and knowledgeable to help us with every step and difficulty we encountered through the process. I will recommend you to everyone I can.
Jason M H.Reynoldsburg, OH, June 15th, 2023 12:13 PM
The communication was stellar.
Jerry K B.Columbus, OH, June 17th, 2023 12:45 PM
The process was so smooth. I like how we were kept up to date on everything. The use of LoanButler was fantastic!! It made it very easy to sign every document that needed our attention. I also liked how we were notified immediately of any changes during the closing process - as far as any change in costs and timing. The application process could not have been any easier. Everything was very detailed, and it was so easy to get our questions answered.
Craig M D.Lancaster, OH, June 22nd, 2023 12:12 PM
Everything
Anna E D.Lancaster, OH, June 23rd, 2023 12:25 PM
Very thorough and consistently in contact. The process was very simple and organized. Both Jodi & Kirsten were available and answered my calls/emails/texts within reason. I had a delayed closing due to a seller title issue and let my rate float which was a good thing in the end. I would say the only thing that might have been better in direction is in reality I needed 35 days to get the lower rate I wanted rather than use a 30 day guideline. The difference in rate was a fair amount but also the point buy down and monthly payment. I missed the better rate by 3-5 days and had I known that I would have negotiated a little stronger on my end with the seller. All was great overall.
Paul C.January 24th, 2023 02:49 AM
Response was was fast
Ayomiotan A.April 1st, 2023 03:20 AM
This was the second time that I worked with Jodi and she is absolutely amazing. I will recommend her and her team to everyone that I know. She is quick, professional, extremely knowledgeable and easy to work with. Everything went according to plan!
Katelyn P D.Blacklick, OH, July 18th, 2023 07:33 PM
So attentive and friendly. Put my nerves as a first time home buyer at ease. Super pleasant experience!
Anna M S.Marysville, OH, August 27th, 2023 07:08 PM
Excellent and efficient team. Mortgage approval process was smooth , fast and easy. Happy to have worked with your team
Bukola I.Columbus, OH, September 25th, 2023 06:19 AM
Jodi and Kirsten, and the entire team was absolutely fantastic with every little detail and always made me aware of everything throughout the process. I felt very informed and taken care of. I would recommend going through the team 10/10 times and wouldn’t change anything from my experience.
Cameron W J.Blacklick, OH, October 6th, 2023 11:10 AM
Everything was good
Elton K.Columbus, OH, October 10th, 2023 09:52 AM
Jodi and her team were fantastic to work with. It was a great experience!
Erin G E.Westerville, OH, October 12th, 2023 12:35 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*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:
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**
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.
Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit:
http:
Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.