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Jodi Vermillion

VP | Branch Manager

NMLS: 227336 | GA: 67058 | KY: MC816641 | OH: MLO.021770.001

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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Jodi

94.18%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia

Meet our happy homeowners***

View All Testimonials

Michael C T.

Bloomingburg, OH, Aug 6, 2026, 12:14 AM

I originally was approved through PNC, however their terms were unreasonable and they wouldn't work with me. Jodi answered the phone as a cold call and immediately matched my preapproval from PNC and took charge every step of the way. Her and Bruce were top tier, far beyond expectations

Caitlin R A.

Columbus, OH, Mar 12, 2026, 3:12 PM

Working with Jodi and her team for my refinance was truly a wonderful experience. This wasn’t the first time I’ve worked with her either—she also handled my original loan about 10 years ago—and she was just as incredible this time around as she was back then. From start to finish, Jodi and her team went above and beyond to make the process smooth, clear, and stress-free. They were always quick to answer questions, explain every step, and make sure I felt confident about the decisions being made. Refinancing can sometimes feel overwhelming, but their professionalism, communication, and genuine care made the entire experience easy. What really stands out is the level of dedication and personal attention they provide. It never felt like I was just another transaction—they truly cared about helping me find the best solution for my situation. The fact that I trusted Jodi again after 10 years says everything about the kind of service she provides. If you’re looking for a knowledgeable, trustworthy team that will go the extra mile for you, I highly recommend Jodi and her team. I’m incredibly grateful for their help both then and now.

Jacqueline A.

Pickerington, OH, Sep 2, 2025, 11:07 AM

We’re incredibly thankful to have had Jodi, Kirsten, and the entire team guiding us through the journey of buying our first home. From our very first meeting, everything was explained clearly, and their support never wavered. The entire process was smooth, fast, and most importantly, stress-free. They were always available to answer questions, provide guidance, and made us feel confident every step of the way. Their professionalism and dedication turned what could’ve been an overwhelming experience into a truly exciting milestone. We couldn’t have asked for a better team to work with. Thank you for making our dream of homeownership a reality! 💙

Anna Bell K.

Columbus, OH, Dec 17, 2025, 7:22 PM

I highly recommend Jodi and her team when financing your home! We were first-time home buyers and from start to finish, Jodi made sure we understood the process and her team was very communicative about next steps and deadlines. During our home-buying process, everyone was telling us "Buying a home is so stressful!" but not with Jodi's team. It felt like a breeze and before we knew it, we were closing on our first home! We will definitely be recommending Jodi to our friends and family.

Gerald D S.

Columbus, OH, Aug 1, 2026, 6:53 PM

worked with VA for me

Adrienne Michelle D.

Kettering, OH, Jul 27, 2026, 3:11 PM

Bruce and Jodi have been excellent to work with! As a first time homebuyer, I am very appreciative that everything was explained to me in a way I could understand. They were always quick to respond and made this process very smooth.

Paul C.

Jan 24, 2023, 7:49 AM

Very thorough and consistently in contact. The process was very simple and organized. Both Jodi & Kirsten were available and answered my calls/emails/texts within reason. I had a delayed closing due to a seller title issue and let my rate float which was a good thing in the end. I would say the only thing that might have been better in direction is in reality I needed 35 days to get the lower rate I wanted rather than use a 30 day guideline. The difference in rate was a fair amount but also the point buy down and monthly payment. I missed the better rate by 3-5 days and had I known that I would have negotiated a little stronger on my end with the seller. All was great overall.

Michael C T.

Bloomingburg, OH, Aug 6, 2026, 12:14 AM

I originally was approved through PNC, however their terms were unreasonable and they wouldn't work with me. Jodi answered the phone as a cold call and immediately matched my preapproval from PNC and took charge every step of the way. Her and Bruce were top tier, far beyond expectations

Caitlin R A.

Columbus, OH, Mar 12, 2026, 3:12 PM

Working with Jodi and her team for my refinance was truly a wonderful experience. This wasn’t the first time I’ve worked with her either—she also handled my original loan about 10 years ago—and she was just as incredible this time around as she was back then. From start to finish, Jodi and her team went above and beyond to make the process smooth, clear, and stress-free. They were always quick to answer questions, explain every step, and make sure I felt confident about the decisions being made. Refinancing can sometimes feel overwhelming, but their professionalism, communication, and genuine care made the entire experience easy. What really stands out is the level of dedication and personal attention they provide. It never felt like I was just another transaction—they truly cared about helping me find the best solution for my situation. The fact that I trusted Jodi again after 10 years says everything about the kind of service she provides. If you’re looking for a knowledgeable, trustworthy team that will go the extra mile for you, I highly recommend Jodi and her team. I’m incredibly grateful for their help both then and now.

Jacqueline A.

Pickerington, OH, Sep 2, 2025, 11:07 AM

We’re incredibly thankful to have had Jodi, Kirsten, and the entire team guiding us through the journey of buying our first home. From our very first meeting, everything was explained clearly, and their support never wavered. The entire process was smooth, fast, and most importantly, stress-free. They were always available to answer questions, provide guidance, and made us feel confident every step of the way. Their professionalism and dedication turned what could’ve been an overwhelming experience into a truly exciting milestone. We couldn’t have asked for a better team to work with. Thank you for making our dream of homeownership a reality! 💙

Anna Bell K.

Columbus, OH, Dec 17, 2025, 7:22 PM

I highly recommend Jodi and her team when financing your home! We were first-time home buyers and from start to finish, Jodi made sure we understood the process and her team was very communicative about next steps and deadlines. During our home-buying process, everyone was telling us "Buying a home is so stressful!" but not with Jodi's team. It felt like a breeze and before we knew it, we were closing on our first home! We will definitely be recommending Jodi to our friends and family.

Gerald D S.

Columbus, OH, Aug 1, 2026, 6:53 PM

worked with VA for me

Adrienne Michelle D.

Kettering, OH, Jul 27, 2026, 3:11 PM

Bruce and Jodi have been excellent to work with! As a first time homebuyer, I am very appreciative that everything was explained to me in a way I could understand. They were always quick to respond and made this process very smooth.

Paul C.

Jan 24, 2023, 7:49 AM

Very thorough and consistently in contact. The process was very simple and organized. Both Jodi & Kirsten were available and answered my calls/emails/texts within reason. I had a delayed closing due to a seller title issue and let my rate float which was a good thing in the end. I would say the only thing that might have been better in direction is in reality I needed 35 days to get the lower rate I wanted rather than use a 30 day guideline. The difference in rate was a fair amount but also the point buy down and monthly payment. I missed the better rate by 3-5 days and had I known that I would have negotiated a little stronger on my end with the seller. All was great overall.

Ayomiotan A.

Apr 1, 2023, 7:20 AM

Response was was fast

Katelyn P D.

Blacklick, OH, Jul 18, 2023, 11:33 PM

This was the second time that I worked with Jodi and she is absolutely amazing. I will recommend her and her team to everyone that I know. She is quick, professional, extremely knowledgeable and easy to work with. Everything went according to plan!

Anna M S.

Marysville, OH, Aug 27, 2023, 11:08 PM

So attentive and friendly. Put my nerves as a first time home buyer at ease. Super pleasant experience!

Bukola I.

Columbus, OH, Sep 25, 2023, 10:19 AM

Excellent and efficient team. Mortgage approval process was smooth , fast and easy. Happy to have worked with your team

Cameron W J.

Blacklick, OH, Oct 6, 2023, 3:10 PM

Jodi and Kirsten, and the entire team was absolutely fantastic with every little detail and always made me aware of everything throughout the process. I felt very informed and taken care of. I would recommend going through the team 10/10 times and wouldn’t change anything from my experience.

Elton K.

Columbus, OH, Oct 10, 2023, 1:52 PM

Everything was good

Erin G E.

Westerville, OH, Oct 12, 2023, 4:35 PM

Jodi and her team were fantastic to work with. It was a great experience!

Ayomiotan A.

Apr 1, 2023, 7:20 AM

Response was was fast

Katelyn P D.

Blacklick, OH, Jul 18, 2023, 11:33 PM

This was the second time that I worked with Jodi and she is absolutely amazing. I will recommend her and her team to everyone that I know. She is quick, professional, extremely knowledgeable and easy to work with. Everything went according to plan!

Anna M S.

Marysville, OH, Aug 27, 2023, 11:08 PM

So attentive and friendly. Put my nerves as a first time home buyer at ease. Super pleasant experience!

Bukola I.

Columbus, OH, Sep 25, 2023, 10:19 AM

Excellent and efficient team. Mortgage approval process was smooth , fast and easy. Happy to have worked with your team

Cameron W J.

Blacklick, OH, Oct 6, 2023, 3:10 PM

Jodi and Kirsten, and the entire team was absolutely fantastic with every little detail and always made me aware of everything throughout the process. I felt very informed and taken care of. I would recommend going through the team 10/10 times and wouldn’t change anything from my experience.

Elton K.

Columbus, OH, Oct 10, 2023, 1:52 PM

Everything was good

Erin G E.

Westerville, OH, Oct 12, 2023, 4:35 PM

Jodi and her team were fantastic to work with. It was a great experience!

Calculate Based on Your Individual Needs


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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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Jodi Vermillion

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.

President's Club

President's Club

6x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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 Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia

Jodi Vermillion

VP | Branch Manager

NMLS: 227336

GA: 67058

KY: MC816641

OH: MLO.021770.001

My Operating Hours

Available 24/7

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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.

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******††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.