Ruoff Mortgage
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Mandi Eaton

Senior Loan Officer

NMLS: 1450494

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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Mandi

97.47%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Wendi L P.

Bloomington, IN, Sep 11, 2023, 4:34 PM

Overall top notch service. Mandi made the process go very smoothly. 10/10 would recommend using

Marissa A Z.

Shelbyville, IN, Feb 15, 2024, 4:06 PM

Mandi was very helpful and quick to answer any questions we had. We put an offer on one house and that fell through, but we found another and put an offer in and closed 10 days later. I don’t know any other lender who would push for this! We are so thankful and will definitely be recommending Mandi to other home buyers!!

Janice K B.

English, IN, Mar 19, 2024, 5:06 PM

Considerate caregiving, very prompt with answers and had answers for every question

Wendi L P.

Bloomington, IN, Mar 3, 2026, 10:22 PM

great communication

Jasmine N K.

Bloomington, IN, Feb 7, 2026, 10:24 PM

Communicatio, and able to use my phone when needed to respond back quickly on document.

Matthew D N.

SHELBYVILLE, IN, Dec 15, 2025, 5:03 PM

Mandi and Jenn were very professional and honest; they went above and beyond and helped us get all the credits that we could. This is the second time I've worked with Ruoff and it has been a good experience both times.

Robert A B.

Bloomington, IN, Jun 6, 2025, 6:06 PM

Mandi did a great job

Holton C C.

Shelbyville, IN, Sep 2, 2024, 4:07 PM

Clear communication, was always kept up to date and well informed, made the whole process very nice

Wendi L P.

Bloomington, IN, Sep 11, 2023, 4:34 PM

Overall top notch service. Mandi made the process go very smoothly. 10/10 would recommend using

Marissa A Z.

Shelbyville, IN, Feb 15, 2024, 4:06 PM

Mandi was very helpful and quick to answer any questions we had. We put an offer on one house and that fell through, but we found another and put an offer in and closed 10 days later. I don’t know any other lender who would push for this! We are so thankful and will definitely be recommending Mandi to other home buyers!!

Janice K B.

English, IN, Mar 19, 2024, 5:06 PM

Considerate caregiving, very prompt with answers and had answers for every question

Wendi L P.

Bloomington, IN, Mar 3, 2026, 10:22 PM

great communication

Jasmine N K.

Bloomington, IN, Feb 7, 2026, 10:24 PM

Communicatio, and able to use my phone when needed to respond back quickly on document.

Matthew D N.

SHELBYVILLE, IN, Dec 15, 2025, 5:03 PM

Mandi and Jenn were very professional and honest; they went above and beyond and helped us get all the credits that we could. This is the second time I've worked with Ruoff and it has been a good experience both times.

Robert A B.

Bloomington, IN, Jun 6, 2025, 6:06 PM

Mandi did a great job

Holton C C.

Shelbyville, IN, Sep 2, 2024, 4:07 PM

Clear communication, was always kept up to date and well informed, made the whole process very nice

Meredith A H.

Hope, IN, Jul 25, 2024, 3:33 PM

Everything was great.

Rodney Z.

Shelbyville, IN, Jul 27, 2024, 7:06 PM

Mandi was so helpful from the beginning of the process to the end. She is very personable, and responsive. Any questions we had she was quick to respond and made the transition seamless. I would recommend Mandi for anyone looking to get a mortgage.

Abigail Z.

Shelbyville, IN, Jul 27, 2024, 8:09 PM

Mandi was sincerely a joy to work with! Mandi was so helpful in explaining all documents and even the mortgage butler. She made it seem like buying a home for a first time super easy! I would highly recommend Mandi to anyone pursuing a mortgage new or old.

Benjamin H.

Hope, IN, Jul 22, 2024, 3:20 PM

The people!

Melissa Lyn D.

Ellettsville, IN, Jul 18, 2024, 3:21 PM

Mandi is extremely knowledgeable and was always available for the myriad of questions that we had as first-time homebuyers. She responded to emails quickly and never made us feel as if the questions we were asking were stupid. The whole process was smooth and seamless and went as planned. We would definitely recommend Ruoff and especially Mandi!

April M E.

SPENCER, IN, Jun 21, 2024, 6:57 PM

Mandi was very helpful and answered any questions that I had. I would recommend her to my family and friends.

Timothy L E.

SPENCER, IN, Jun 24, 2024, 3:38 PM

No matter of the hour, they still got in touch with me to get everything ready

Andrew L.

Bloomington, IN, Jun 3, 2024, 3:03 PM

Mandi was great! Our 3rd closing with her. Would recommend to anyone!

Meredith A H.

Hope, IN, Jul 25, 2024, 3:33 PM

Everything was great.

Rodney Z.

Shelbyville, IN, Jul 27, 2024, 7:06 PM

Mandi was so helpful from the beginning of the process to the end. She is very personable, and responsive. Any questions we had she was quick to respond and made the transition seamless. I would recommend Mandi for anyone looking to get a mortgage.

Abigail Z.

Shelbyville, IN, Jul 27, 2024, 8:09 PM

Mandi was sincerely a joy to work with! Mandi was so helpful in explaining all documents and even the mortgage butler. She made it seem like buying a home for a first time super easy! I would highly recommend Mandi to anyone pursuing a mortgage new or old.

Benjamin H.

Hope, IN, Jul 22, 2024, 3:20 PM

The people!

Melissa Lyn D.

Ellettsville, IN, Jul 18, 2024, 3:21 PM

Mandi is extremely knowledgeable and was always available for the myriad of questions that we had as first-time homebuyers. She responded to emails quickly and never made us feel as if the questions we were asking were stupid. The whole process was smooth and seamless and went as planned. We would definitely recommend Ruoff and especially Mandi!

April M E.

SPENCER, IN, Jun 21, 2024, 6:57 PM

Mandi was very helpful and answered any questions that I had. I would recommend her to my family and friends.

Timothy L E.

SPENCER, IN, Jun 24, 2024, 3:38 PM

No matter of the hour, they still got in touch with me to get everything ready

Andrew L.

Bloomington, IN, Jun 3, 2024, 3:03 PM

Mandi was great! Our 3rd closing with her. Would recommend to anyone!

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
Mandi Eaton

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 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

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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.