Ruoff Mortgage
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Luella Hughes

Senior Loan Officer

NMLS: 284787 | OH: MLO.036068.002

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

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Luella

100%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Stephanie A P.

Conneaut, OH, Jun 30, 2026, 3:13 PM

Luella was very knowledgeable and quick to respond to any questions we had! It was a pleasure working with her!

Nicole Elizabeth V.

Geneva, OH, Jun 9, 2026, 3:06 PM

Working with Luella was truly one of the best experiences I’ve ever had. Buying a home can be stressful and overwhelming, but she made the entire process smooth, easy to understand, and surprisingly enjoyable. She was always available to answer questions, kept me informed every step of the way, and genuinely cared about helping me achieve my goal of homeownership. Her professionalism, knowledge, patience, and kindness went far beyond what I expected. As a first-time homebuyer, this was such an important milestone for me and my family, and I honestly don’t think I could have done it without her guidance and support. She was truly an angel throughout the entire process. I am incredibly grateful for everything she did and would recommend her to anyone looking for a loan officer who is knowledgeable, trustworthy, and genuinely invested in her clients’ success. Thank you for helping make my dream of owning a home a reality!

Brian P P.

Chardon, OH, Mar 14, 2026, 3:09 PM

I was forced to refinance as the result of a divorce. Although this was an extremely stressful endeavor, Luella consistently put me at ease and made the entire process way easier to navigate. She was extremely knowledgeable about the entire process, and helped me address several obstacles along the way. In the future, if I need to purchase another home, or refinance, Luella will be the first and last person that I call!

Carrie C.

Lakewood, OH, Feb 11, 2026, 5:59 PM

Great experience with support .

Adrianna B.

Ashtabula, OH, Nov 11, 2025, 4:05 PM

Luellla was absolutely amazing. She has been so patient with me from when I wanted to start this process a year ago until when I knew it was right for my family and I to go forward. She would call or text me anytime she had information, let me know what I needed to do and when, and explained everything for me until I fully understood . I couldn't ask for a better experience or lender, we are so happy with everythin!!!

Harley M D.

Ashtabula, OH, Oct 8, 2025, 5:20 PM

Luella is the best there is! She kept me up to date consistently, answered every silly question I had, guided me through the entire process, and made everything as simple as she possibly could! I absolutely could not have done this without her! Most importantly, she was so kind and understanding throughout the entire process as well, which helped ease my anxiety during an overwhelming process! I would recommend her to anyone looking for a lender!

Stephanie A P.

Conneaut, OH, Jun 30, 2026, 3:13 PM

Luella was very knowledgeable and quick to respond to any questions we had! It was a pleasure working with her!

Nicole Elizabeth V.

Geneva, OH, Jun 9, 2026, 3:06 PM

Working with Luella was truly one of the best experiences I’ve ever had. Buying a home can be stressful and overwhelming, but she made the entire process smooth, easy to understand, and surprisingly enjoyable. She was always available to answer questions, kept me informed every step of the way, and genuinely cared about helping me achieve my goal of homeownership. Her professionalism, knowledge, patience, and kindness went far beyond what I expected. As a first-time homebuyer, this was such an important milestone for me and my family, and I honestly don’t think I could have done it without her guidance and support. She was truly an angel throughout the entire process. I am incredibly grateful for everything she did and would recommend her to anyone looking for a loan officer who is knowledgeable, trustworthy, and genuinely invested in her clients’ success. Thank you for helping make my dream of owning a home a reality!

Brian P P.

Chardon, OH, Mar 14, 2026, 3:09 PM

I was forced to refinance as the result of a divorce. Although this was an extremely stressful endeavor, Luella consistently put me at ease and made the entire process way easier to navigate. She was extremely knowledgeable about the entire process, and helped me address several obstacles along the way. In the future, if I need to purchase another home, or refinance, Luella will be the first and last person that I call!

Carrie C.

Lakewood, OH, Feb 11, 2026, 5:59 PM

Great experience with support .

Adrianna B.

Ashtabula, OH, Nov 11, 2025, 4:05 PM

Luellla was absolutely amazing. She has been so patient with me from when I wanted to start this process a year ago until when I knew it was right for my family and I to go forward. She would call or text me anytime she had information, let me know what I needed to do and when, and explained everything for me until I fully understood . I couldn't ask for a better experience or lender, we are so happy with everythin!!!

Harley M D.

Ashtabula, OH, Oct 8, 2025, 5:20 PM

Luella is the best there is! She kept me up to date consistently, answered every silly question I had, guided me through the entire process, and made everything as simple as she possibly could! I absolutely could not have done this without her! Most importantly, she was so kind and understanding throughout the entire process as well, which helped ease my anxiety during an overwhelming process! I would recommend her to anyone looking for a lender!

Damien T.

COSHOCTON, OH, Aug 4, 2025, 3:08 PM

LuElla was AMAZING. We had so many obstacles and she helped us through them all! Highly recommend her and Ruoff Mortgage!! They helped make our dreams come true!

Charles R S.

Geneva, OH, Apr 16, 2025, 11:05 PM

Luella was right on top of everything excellent job couldn't ask for better!

Michellee C J.

Ashtabula, OH, Feb 11, 2025, 4:09 PM

As a first time home buyer, Luella was patient, kind, professional, and understanding.

Christian T I.

Willowick, OH, Feb 10, 2025, 5:05 PM

Luella made the entire process easy and as smooth as possible.

Jana C B.

Ashtabula, OH, Oct 21, 2024, 3:21 PM

Luella is extremely knowledgeable and is always available to answer any questions. I would recommend her to anyone who wanted to buy a home!

Riis S.

ASHTABULA, OH, Oct 1, 2024, 12:49 AM

Luella! Amazing service.

Anastasia B C.

Ashtabula, OH, Jul 9, 2024, 3:41 PM

Having someone that looks out for you and is kind really helps with the stress that comes along with buying a house.

Damien T.

COSHOCTON, OH, Aug 4, 2025, 3:08 PM

LuElla was AMAZING. We had so many obstacles and she helped us through them all! Highly recommend her and Ruoff Mortgage!! They helped make our dreams come true!

Charles R S.

Geneva, OH, Apr 16, 2025, 11:05 PM

Luella was right on top of everything excellent job couldn't ask for better!

Michellee C J.

Ashtabula, OH, Feb 11, 2025, 4:09 PM

As a first time home buyer, Luella was patient, kind, professional, and understanding.

Christian T I.

Willowick, OH, Feb 10, 2025, 5:05 PM

Luella made the entire process easy and as smooth as possible.

Jana C B.

Ashtabula, OH, Oct 21, 2024, 3:21 PM

Luella is extremely knowledgeable and is always available to answer any questions. I would recommend her to anyone who wanted to buy a home!

Riis S.

ASHTABULA, OH, Oct 1, 2024, 12:49 AM

Luella! Amazing service.

Anastasia B C.

Ashtabula, OH, Jul 9, 2024, 3:41 PM

Having someone that looks out for you and is kind really helps with the stress that comes along with buying a house.

Calculate Based on Your Individual Needs


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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

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Luella Hughes

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.

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 Ohio

Luella Hughes

Senior Loan Officer

NMLS: 284787

OH: MLO.036068.002

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

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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.