
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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Proudly serving Ohio
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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
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
My Latest Blogs
First Time Buyer Guide: Do You Really Need a Buyer’s Agent?
Apr 14, 2026
Buying your first home is a thrilling milestone, full of excitement and a touch of nerves. As a first time buyer, you're stepping into a world of possibilities, but the real estate market can feel overwhelming with contracts, negotiations, and market nuances. That's where a buyer's agent comes in—your dedicated guide to making smart, confident decisions.
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Ready to Buy Now? Here's What Lenders Check During Mortgage Underwriting
Mar 27, 2026
Imagine this: You've found your dream home in Ashtabula County, and you're ready to buy now. Excitement builds as you submit your mortgage application. But behind the scenes, a team of underwriters is diving deep into your financial life. What are they really looking for?
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*


