Ruoff Mortgage
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Stephanie Henderly

Loan Officer

NMLS: 1367068 | OH: MLO.048724.001

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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Stephanie

100%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Lilly M.

Oregon, OH, Mar 19, 2024, 3:19 PM

Stephanie was super nice. Always had a smile on her face. Very professional. Over all an amazing experience. Thank you

Viktor H.

Toledo, OH, Apr 16, 2024, 6:26 PM

I continue to be extremely impressed with the knowledgeable, helpful and dedicated service throught the mortgage lending process at Ruoff. My loan officer, Stephanie Henderly, went the extra mile with all her hard work. I am truly grateful for her and Ruoff for helping me make my homeowners dream a reality!

Chase B.

Maumee, OH, Jun 4, 2024, 3:34 PM

Stephanie, you were absolutely incredible! Buying a house with a friend can feel like a recipe for disaster, but you made the entire process so smooth for Austin and me, it almost felt too easy. We closed in just two weeks, and honestly, I can't believe how stress-free it all was! Going into this, I was a nervous wreck. Deciding to buy a house with a friend is a big decision, and frankly, the whole mortgage process always seemed so complicated. But you were there for us every step of the way. You patiently explained everything in terms we could understand, even the most technical stuff. Your clear breakdown made it all click, and we felt so much more confident moving forward. And let's not forget how responsive you were! Whenever Austin or I had a question, no matter how small or silly it might have seemed, you were always just a phone call or text away. You never made us feel like we were bothering you, and you always took the time to walk us through things clearly. That constant communication was a lifesaver, especially during those moments when anxieties started to creep in. Honestly, Stephanie, thanks to you, the entire home buying experience became a breeze. We never felt overwhelmed or lost in the process, and you made sure everything stayed on track for a smooth and speedy closing. Looking back, I can't believe we closed in just two weeks! It would have been a completely different story without your expertise, guidance, and constant support. We truly appreciate everything you did for us, Stephanie. You're an amazing loan officer!

Cristina V.

Toledo, OH, May 16, 2023, 4:49 PM

The whole process was easy. Stephanie explained everything really well.

Austin A B.

Toledo, OH, Jun 30, 2023, 4:11 PM

Always responded immediately with any questions/concerns and super knowledgeable. Would recommend to anyone shopping for mortgages.

Louis P. R.

Sherwood, OH, Aug 5, 2023, 6:00 PM

She was on top of everything

Haley R R.

Toledo, OH, Aug 20, 2023, 7:16 PM

Very attentive, went above and beyond! I definitely would recommend Stephanie to anyone 😊

Lilly M.

Oregon, OH, Mar 19, 2024, 3:19 PM

Stephanie was super nice. Always had a smile on her face. Very professional. Over all an amazing experience. Thank you

Viktor H.

Toledo, OH, Apr 16, 2024, 6:26 PM

I continue to be extremely impressed with the knowledgeable, helpful and dedicated service throught the mortgage lending process at Ruoff. My loan officer, Stephanie Henderly, went the extra mile with all her hard work. I am truly grateful for her and Ruoff for helping me make my homeowners dream a reality!

Chase B.

Maumee, OH, Jun 4, 2024, 3:34 PM

Stephanie, you were absolutely incredible! Buying a house with a friend can feel like a recipe for disaster, but you made the entire process so smooth for Austin and me, it almost felt too easy. We closed in just two weeks, and honestly, I can't believe how stress-free it all was! Going into this, I was a nervous wreck. Deciding to buy a house with a friend is a big decision, and frankly, the whole mortgage process always seemed so complicated. But you were there for us every step of the way. You patiently explained everything in terms we could understand, even the most technical stuff. Your clear breakdown made it all click, and we felt so much more confident moving forward. And let's not forget how responsive you were! Whenever Austin or I had a question, no matter how small or silly it might have seemed, you were always just a phone call or text away. You never made us feel like we were bothering you, and you always took the time to walk us through things clearly. That constant communication was a lifesaver, especially during those moments when anxieties started to creep in. Honestly, Stephanie, thanks to you, the entire home buying experience became a breeze. We never felt overwhelmed or lost in the process, and you made sure everything stayed on track for a smooth and speedy closing. Looking back, I can't believe we closed in just two weeks! It would have been a completely different story without your expertise, guidance, and constant support. We truly appreciate everything you did for us, Stephanie. You're an amazing loan officer!

Cristina V.

Toledo, OH, May 16, 2023, 4:49 PM

The whole process was easy. Stephanie explained everything really well.

Austin A B.

Toledo, OH, Jun 30, 2023, 4:11 PM

Always responded immediately with any questions/concerns and super knowledgeable. Would recommend to anyone shopping for mortgages.

Louis P. R.

Sherwood, OH, Aug 5, 2023, 6:00 PM

She was on top of everything

Haley R R.

Toledo, OH, Aug 20, 2023, 7:16 PM

Very attentive, went above and beyond! I definitely would recommend Stephanie to anyone 😊

Jena D.

Van Buren Township, MI, May 21, 2026, 9:58 PM

Stephanie was extremely helpful in the process of seeking and obtaining financing for our new home. I was also at times in contact with other members of the Ruoff staff and everyone was extremely curtious and helpful. I would highly recommend Stephanie and Ruoff Mortgage to anyone looking for financial assistance in the future.

Andrew R B.

Van Buren Township, MI, May 17, 2026, 7:40 PM

I've used Ruoff for a remortgage on my house, so asking Stephanie Henderly to do our mortgage for a new house was no question! Ruoff is organized, freindly and efficient. I recommend them and Stephanie to anyone I hear talking about mortgages.

Amy C.

Toledo, OH, May 26, 2026, 4:20 PM

Stephanie is always up to date and was so helpful! 10/10

Tiffany W.

Toledo, OH, Mar 9, 2026, 2:15 AM

Stephanie was always available when I needed her. No matter the time of day, she was available. She explained everything to the fullest during the whole process. If there was a question she didn't have the answer to, she did everything she could to get me an answer. Love Stephanie kindness so much she helped that I even recommended a coworker to have Stephanie as her loan officer!

Molly N.

Napoleon, OH, Jan 20, 2026, 5:55 PM

Stephanie was knowledgable and explained every step of the process. She was EXACTLY who we wanted as first time homebuyers. She is customer service driven and it was evident that she personally cared about us and getting us the information we needed to make educated decisions.

John M N.

Napoleon, OH, Jan 19, 2026, 5:20 PM

Stephanie was excellent to do business with during the entire process from start to finish. She was very helpful with any questions I had. Stephanie was always timely and prompt when returning phone calls and emails. The experience as a whole was very pleasant thanks to her constant efforts.

Evan Dean D.

Pemberville, OH, Dec 25, 2025, 3:25 AM

Stephanie Henderly is the absolute best when it comes to all things mortgage related. Extremely personable, always in communication, very helpful and very willing to answer the multiude of questions I had as a First time homebuyer. She truly cares about each client and wants the best for the client. She will always be highly recommended by me!

Anthony John R.

TOLEDO, OH, Dec 23, 2025, 11:36 PM

Quick and clear communication. If I could have chosen from 1000 loan officers, I don't think I could have chosen a better one than Stephanie!

Jena D.

Van Buren Township, MI, May 21, 2026, 9:58 PM

Stephanie was extremely helpful in the process of seeking and obtaining financing for our new home. I was also at times in contact with other members of the Ruoff staff and everyone was extremely curtious and helpful. I would highly recommend Stephanie and Ruoff Mortgage to anyone looking for financial assistance in the future.

Andrew R B.

Van Buren Township, MI, May 17, 2026, 7:40 PM

I've used Ruoff for a remortgage on my house, so asking Stephanie Henderly to do our mortgage for a new house was no question! Ruoff is organized, freindly and efficient. I recommend them and Stephanie to anyone I hear talking about mortgages.

Amy C.

Toledo, OH, May 26, 2026, 4:20 PM

Stephanie is always up to date and was so helpful! 10/10

Tiffany W.

Toledo, OH, Mar 9, 2026, 2:15 AM

Stephanie was always available when I needed her. No matter the time of day, she was available. She explained everything to the fullest during the whole process. If there was a question she didn't have the answer to, she did everything she could to get me an answer. Love Stephanie kindness so much she helped that I even recommended a coworker to have Stephanie as her loan officer!

Molly N.

Napoleon, OH, Jan 20, 2026, 5:55 PM

Stephanie was knowledgable and explained every step of the process. She was EXACTLY who we wanted as first time homebuyers. She is customer service driven and it was evident that she personally cared about us and getting us the information we needed to make educated decisions.

John M N.

Napoleon, OH, Jan 19, 2026, 5:20 PM

Stephanie was excellent to do business with during the entire process from start to finish. She was very helpful with any questions I had. Stephanie was always timely and prompt when returning phone calls and emails. The experience as a whole was very pleasant thanks to her constant efforts.

Evan Dean D.

Pemberville, OH, Dec 25, 2025, 3:25 AM

Stephanie Henderly is the absolute best when it comes to all things mortgage related. Extremely personable, always in communication, very helpful and very willing to answer the multiude of questions I had as a First time homebuyer. She truly cares about each client and wants the best for the client. She will always be highly recommended by me!

Anthony John R.

TOLEDO, OH, Dec 23, 2025, 11:36 PM

Quick and clear communication. If I could have chosen from 1000 loan officers, I don't think I could have chosen a better one than Stephanie!

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

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Stephanie Henderly

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.

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 Michigan, Ohio

Stephanie Henderly

Loan Officer

NMLS: 1367068

OH: MLO.048724.001

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.