Ruoff Mortgage
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Tony Brancatto

VP | Branch Manager

NMLS: 508659 | OH: MLO.056498.000

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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Tony

99.48%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Florida, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Madison McKenzie M.

Toledo, OH, Jul 26, 2026, 6:23 PM

he was always accessible always positive. He was there every step of the way, and the encouragement was level 10 every day every moment, every second and the greatest loan officer of all time.

Paul C.

Toledo, OH, Jun 30, 2026, 3:46 PM

Tony was awesome. Really enjoyed working with him and the rest of the ruoff team to get to the finish line! Went above and beyond to make things work for us.

Kade A S.

Bowling Green, OH, Jun 12, 2026, 3:16 PM

communication was amazing clear and thorough!!!

Kathleen A B.

Toledo, OH, May 4, 2026, 3:17 PM

Great feedback friendly explained everything well andvanswered all my hundreds of questions great group of people thank I

Jessica L B.

Naples, FL, Aug 27, 2025, 4:45 PM

Tony is amazing and very helpfu! I could not imagine going through this with anyone else! Thank you!!

Gregory B.

Naples, FL, Aug 26, 2025, 3:51 PM

Felt good to have someone actually in your corner as Tony always has been. Great experience. We appreciate you helping us make our dream come true.

Madison McKenzie M.

Toledo, OH, Jul 26, 2026, 6:23 PM

he was always accessible always positive. He was there every step of the way, and the encouragement was level 10 every day every moment, every second and the greatest loan officer of all time.

Paul C.

Toledo, OH, Jun 30, 2026, 3:46 PM

Tony was awesome. Really enjoyed working with him and the rest of the ruoff team to get to the finish line! Went above and beyond to make things work for us.

Kade A S.

Bowling Green, OH, Jun 12, 2026, 3:16 PM

communication was amazing clear and thorough!!!

Kathleen A B.

Toledo, OH, May 4, 2026, 3:17 PM

Great feedback friendly explained everything well andvanswered all my hundreds of questions great group of people thank I

Jessica L B.

Naples, FL, Aug 27, 2025, 4:45 PM

Tony is amazing and very helpfu! I could not imagine going through this with anyone else! Thank you!!

Gregory B.

Naples, FL, Aug 26, 2025, 3:51 PM

Felt good to have someone actually in your corner as Tony always has been. Great experience. We appreciate you helping us make our dream come true.

David M F.

Maumee, OH, Aug 4, 2025, 7:59 AM

Our experience was an overall smooth process.

James Thomas P.

Toledo, OH, Jul 22, 2025, 6:17 PM

Everything from the staff, to their performance, to the overall experience was 10/10. I would highly recommend them to anyone in need of their services.

Jon Ian M.

Lambertville, MI, Mar 30, 2025, 2:21 AM

Tony was quite knowledgeable of the entire process. He knew exactly what was needed for my wife and I to receive the best mortgage and interest rate possible, as well. Tony saved us from being more concerned than we needed to be because of his preparedness and experience in the business.

Kaitlin Elizabeth M.

Lambertville, MI, Mar 20, 2025, 3:19 PM

Gave great advice, super helpful to young buyers.

Dylan Jacob C.

Genoa, OH, Dec 17, 2024, 5:31 PM

My wife and I are first time home buyers. We felt that Tony did an excellent job of helping us navigate through the process with patience & great advice. We would highly recommend Tony to all buyers.

Christopher M F.

Toledo, OH, Oct 26, 2024, 3:03 PM

Very friendly and knowlegdeable.

Antonio A S.

Toledo, OH, Sep 1, 2024, 2:41 PM

Was always there to answer any questions. Helped me every step of the way.

David M F.

Maumee, OH, Aug 4, 2025, 7:59 AM

Our experience was an overall smooth process.

James Thomas P.

Toledo, OH, Jul 22, 2025, 6:17 PM

Everything from the staff, to their performance, to the overall experience was 10/10. I would highly recommend them to anyone in need of their services.

Jon Ian M.

Lambertville, MI, Mar 30, 2025, 2:21 AM

Tony was quite knowledgeable of the entire process. He knew exactly what was needed for my wife and I to receive the best mortgage and interest rate possible, as well. Tony saved us from being more concerned than we needed to be because of his preparedness and experience in the business.

Kaitlin Elizabeth M.

Lambertville, MI, Mar 20, 2025, 3:19 PM

Gave great advice, super helpful to young buyers.

Dylan Jacob C.

Genoa, OH, Dec 17, 2024, 5:31 PM

My wife and I are first time home buyers. We felt that Tony did an excellent job of helping us navigate through the process with patience & great advice. We would highly recommend Tony to all buyers.

Christopher M F.

Toledo, OH, Oct 26, 2024, 3:03 PM

Very friendly and knowlegdeable.

Antonio A S.

Toledo, OH, Sep 1, 2024, 2:41 PM

Was always there to answer any questions. Helped me every step of the way.

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
Tony Brancatto

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 Florida, Michigan, Ohio

Tony Brancatto

VP | Branch Manager

NMLS: 508659

OH: MLO.056498.000

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

Ruoff Mortgage Logo White

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.