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Shannon Ryan

VP | Branch Manager

NMLS: 1166950 | KY: MC700401 | OH: MLO.044002.000

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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Shannon

99.57%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

Proudly serving Kentucky, Ohio

Meet our happy homeowners***

View All Testimonials

Hope E O.

Taylor Mill, KY, Jul 23, 2026, 3:11 PM

Communication

Thomas R B.

Dayton, OH, Jul 20, 2026, 12:24 AM

Shannon and her colleague Aubrey, were super fast in replies, sent very efficient and timely information and were very helpful throughout the process. I would highly recommend Shannon to anyone looking for finances for their home purchase or refinance.

Richard John R.

Dayton, OH, Jun 30, 2026, 10:45 PM

Shannon and Aubrey were excellent. They were so communicative and explained all my options clearly. They also worked well with my realtor and title company.

Jared S N.

Alexandria, KY, May 28, 2026, 3:36 PM

Shannon made everything super easy throughout the whole process. She was excellent at communicating with us & answered every single one of our questions. Also when we really needed help she always answered my phone calls. Thank you Shannon!!

Tracy P.

MASON, OH, May 23, 2026, 2:26 PM

Shannon was awesome!

Morgan M P.

Columbus Grove, OH, May 13, 2026, 3:38 PM

Shannon is the best of the best!! She helped us, and ezxplained things in a way wer clearly understood. We are grateful for her & her team! We're officially homeowners!

Hope E O.

Taylor Mill, KY, Jul 23, 2026, 3:11 PM

Communication

Thomas R B.

Dayton, OH, Jul 20, 2026, 12:24 AM

Shannon and her colleague Aubrey, were super fast in replies, sent very efficient and timely information and were very helpful throughout the process. I would highly recommend Shannon to anyone looking for finances for their home purchase or refinance.

Richard John R.

Dayton, OH, Jun 30, 2026, 10:45 PM

Shannon and Aubrey were excellent. They were so communicative and explained all my options clearly. They also worked well with my realtor and title company.

Jared S N.

Alexandria, KY, May 28, 2026, 3:36 PM

Shannon made everything super easy throughout the whole process. She was excellent at communicating with us & answered every single one of our questions. Also when we really needed help she always answered my phone calls. Thank you Shannon!!

Tracy P.

MASON, OH, May 23, 2026, 2:26 PM

Shannon was awesome!

Morgan M P.

Columbus Grove, OH, May 13, 2026, 3:38 PM

Shannon is the best of the best!! She helped us, and ezxplained things in a way wer clearly understood. We are grateful for her & her team! We're officially homeowners!

Hallie Lane B.

Middletown, OH, May 8, 2026, 3:39 PM

Shannon was kind and knowledgeable, and very quick to respond throughout all of the loan process! We appreciate also that the documents online were easily accessible and for how we were helped in staying on track through the loan process.

Amanda J E.

BEAVERCRK TWP, OH, May 2, 2026, 12:55 PM

Shannon was great to work with! I felt that if we went with one of our national banks, we wouldn't have gotten the personalized experience/conversations as we did with Shannon. It was my first time (not my husband's) buying a home, so Shannon was very helpful in answering my many questions.

Luis Eduardo L.

Middletown, OH, Apr 10, 2026, 12:38 AM

Working with Shannon was an outstanding experience, especially as a first-time home buyer. From the very beginning, she made the process feel approachable and manageable. Her knowledge of her role is exceptional, and she takes the time to ensure you truly understand every step along the way. One of the things that stood out most was how thorough she is in her responses. She never hesitates to explain things in different ways until everything clicks, which made a huge difference in building confidence throughout the process. On top of that, her communication is top-notch—she responds very quickly, even outside of regular office hours. If she’s ever unavailable, she clearly lets you know when you can expect to hear back, which is incredibly reassuring. Shannon genuinely looks out for her clients and goes above and beyond to find the best possible outcome. She is flexible and willing to adjust contracts to better suit your needs, and she makes it easy to request changes if something doesn’t feel right. One example that really stood out was when she helped us lock in our price before it was expected to triple. While it slightly increased our payments, it ultimately saved us significantly in the long run and put us in a much better position. Beyond her expertise, Shannon is very friendly, professional, and simply great to talk to. She combines strong industry knowledge with a personable approach that makes the entire experience smooth and stress-free. I would highly recommend her to anyone—especially first-time buyers—looking for a knowledgeable, responsive, and genuinely caring mortgage professional.

Aaron Joseph L.

Beavercreek, OH, Apr 8, 2026, 3:17 PM

The overall experience for me initially felt like a lot to manage and keep track of. Ruoff saved me loads of stress by handling everything, answering all my silly questions, and helping me stay on track with all the fun paperwork that comes with buying a house and handling the mortgage. They stayed in touch with me throughout the entire process and wasted no time getting everything accomplished. Can't say enough good things about the entire Ruoff team, will definitely use them again in the future!!

Andrew M L.

Sabina, OH, Mar 31, 2026, 5:46 PM

Communication

Patrick B.

Springboro, OH, Mar 18, 2026, 3:44 PM

Good communication fast reliable service

John M W.

Castine, OH, Mar 18, 2026, 4:37 PM

I was able to communicate and question or problem and discuss as soon as I would call or

Hallie Lane B.

Middletown, OH, May 8, 2026, 3:39 PM

Shannon was kind and knowledgeable, and very quick to respond throughout all of the loan process! We appreciate also that the documents online were easily accessible and for how we were helped in staying on track through the loan process.

Amanda J E.

BEAVERCRK TWP, OH, May 2, 2026, 12:55 PM

Shannon was great to work with! I felt that if we went with one of our national banks, we wouldn't have gotten the personalized experience/conversations as we did with Shannon. It was my first time (not my husband's) buying a home, so Shannon was very helpful in answering my many questions.

Luis Eduardo L.

Middletown, OH, Apr 10, 2026, 12:38 AM

Working with Shannon was an outstanding experience, especially as a first-time home buyer. From the very beginning, she made the process feel approachable and manageable. Her knowledge of her role is exceptional, and she takes the time to ensure you truly understand every step along the way. One of the things that stood out most was how thorough she is in her responses. She never hesitates to explain things in different ways until everything clicks, which made a huge difference in building confidence throughout the process. On top of that, her communication is top-notch—she responds very quickly, even outside of regular office hours. If she’s ever unavailable, she clearly lets you know when you can expect to hear back, which is incredibly reassuring. Shannon genuinely looks out for her clients and goes above and beyond to find the best possible outcome. She is flexible and willing to adjust contracts to better suit your needs, and she makes it easy to request changes if something doesn’t feel right. One example that really stood out was when she helped us lock in our price before it was expected to triple. While it slightly increased our payments, it ultimately saved us significantly in the long run and put us in a much better position. Beyond her expertise, Shannon is very friendly, professional, and simply great to talk to. She combines strong industry knowledge with a personable approach that makes the entire experience smooth and stress-free. I would highly recommend her to anyone—especially first-time buyers—looking for a knowledgeable, responsive, and genuinely caring mortgage professional.

Aaron Joseph L.

Beavercreek, OH, Apr 8, 2026, 3:17 PM

The overall experience for me initially felt like a lot to manage and keep track of. Ruoff saved me loads of stress by handling everything, answering all my silly questions, and helping me stay on track with all the fun paperwork that comes with buying a house and handling the mortgage. They stayed in touch with me throughout the entire process and wasted no time getting everything accomplished. Can't say enough good things about the entire Ruoff team, will definitely use them again in the future!!

Andrew M L.

Sabina, OH, Mar 31, 2026, 5:46 PM

Communication

Patrick B.

Springboro, OH, Mar 18, 2026, 3:44 PM

Good communication fast reliable service

John M W.

Castine, OH, Mar 18, 2026, 4:37 PM

I was able to communicate and question or problem and discuss as soon as I would call or

Calculate Based on Your Individual Needs


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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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Shannon Ryan

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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 Kentucky, Ohio

Shannon Ryan

VP | Branch Manager

NMLS: 1166950

KY: MC700401

OH: MLO.044002.000

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.