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Josh Cranfill

Senior Loan Officer

NMLS: 1150967

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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Josh

98.4%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Amelia M W.

New Haven, IN, Jun 17, 2024, 3:07 PM

We had a bad experience with a different loan officer. We were recommended to Josh. He communicated very well through text and phone calls as well. Any questions he answered very quickly as well. He made the process of buying a house going from very stressful to a simple breeze!

Douglas M M.

Fort Wayne, IN, May 7, 2024, 9:24 AM

Communication Excellent!!! Speed and Accuracy Amazing!!! Professionalism In Every Aspect!!! Highly Recommend!!!

Dekeyser0108

Huntington, IN, Sep 25, 2023, 3:20 PM

Everything was perfect Josh did an amazing job answering all our questions and keeping us updated with all the latest information and documents. There isn't anything I would change keep up the good work!

Amy K M.

Edon, OH, Jul 24, 2025, 3:02 PM

Everything went very well!!

Joshua T B.

Trenton, OH, Jun 17, 2025, 8:01 PM

Was my third time buying a house from this team and again everything has gone to plan with no issues! I have never had an issue with the team , they all do a great job .

Caitlin A B.

Trenton, OH, Jun 17, 2025, 3:06 PM

Josh was great to work with followed up and frequently asked us if we had any questions. i wouldnhighly would highly recommend anyone to work with him in the future

Iann L T.

Hicksville, OH, Apr 9, 2025, 3:29 PM

Josh Cranfill was extremely knowledgeable and friendly throughout the entire process. He was always available to answer any questions I had about anything during the whole process from start to finish and really made me feel like me purchasing a home mattered to him.

Amelia M W.

New Haven, IN, Jun 17, 2024, 3:07 PM

We had a bad experience with a different loan officer. We were recommended to Josh. He communicated very well through text and phone calls as well. Any questions he answered very quickly as well. He made the process of buying a house going from very stressful to a simple breeze!

Douglas M M.

Fort Wayne, IN, May 7, 2024, 9:24 AM

Communication Excellent!!! Speed and Accuracy Amazing!!! Professionalism In Every Aspect!!! Highly Recommend!!!

Dekeyser0108

Huntington, IN, Sep 25, 2023, 3:20 PM

Everything was perfect Josh did an amazing job answering all our questions and keeping us updated with all the latest information and documents. There isn't anything I would change keep up the good work!

Amy K M.

Edon, OH, Jul 24, 2025, 3:02 PM

Everything went very well!!

Joshua T B.

Trenton, OH, Jun 17, 2025, 8:01 PM

Was my third time buying a house from this team and again everything has gone to plan with no issues! I have never had an issue with the team , they all do a great job .

Caitlin A B.

Trenton, OH, Jun 17, 2025, 3:06 PM

Josh was great to work with followed up and frequently asked us if we had any questions. i wouldnhighly would highly recommend anyone to work with him in the future

Iann L T.

Hicksville, OH, Apr 9, 2025, 3:29 PM

Josh Cranfill was extremely knowledgeable and friendly throughout the entire process. He was always available to answer any questions I had about anything during the whole process from start to finish and really made me feel like me purchasing a home mattered to him.

Lucas P.

Fort Wayne, IN, Dec 10, 2024, 1:05 AM

Working with Josh was a great experience! He answered all of my questions and made the process of getting into my first home quick and easy. I would highly recommend him to anyone looking to purchase a home.

Aaron J W.

New Haven, IN, Dec 6, 2024, 4:08 PM

Josh helped take the entire home buying process easy and stress-free!

Adrian L.

Bluffton, IN, Dec 5, 2024, 4:24 PM

The experience was nice. Everyone was very helpful. And going through everything was fast.

Natalie S.

Freedom, IN, Sep 16, 2024, 9:11 PM

Josh went above and beyond to make sure we had everything in order to close. He took the time to ensure that we understood everything in the process and answered all of our questions. He did an amazing job be accessible and available for a phone call or a text to discuss concerns or questions we had about the entire process. His expertise made buying a home feel relaxed and smooth which allowed us to enjoy the moment!

Ryan P.

Freedom, IN, Sep 14, 2024, 3:28 AM

Josh was excellent in all aspects of the process. He truly cares and treated us like family. I would definitely recommend Ruoff and Josh in particular to my friends and family.

Clinton M H.

Fort Wayne, IN, Aug 8, 2024, 7:31 PM

Great experience

Marc D E.

Fort Wayne, IN, Mar 24, 2024, 4:35 PM

Communication was great and all was very helpful

Lucas P.

Fort Wayne, IN, Dec 10, 2024, 1:05 AM

Working with Josh was a great experience! He answered all of my questions and made the process of getting into my first home quick and easy. I would highly recommend him to anyone looking to purchase a home.

Aaron J W.

New Haven, IN, Dec 6, 2024, 4:08 PM

Josh helped take the entire home buying process easy and stress-free!

Adrian L.

Bluffton, IN, Dec 5, 2024, 4:24 PM

The experience was nice. Everyone was very helpful. And going through everything was fast.

Natalie S.

Freedom, IN, Sep 16, 2024, 9:11 PM

Josh went above and beyond to make sure we had everything in order to close. He took the time to ensure that we understood everything in the process and answered all of our questions. He did an amazing job be accessible and available for a phone call or a text to discuss concerns or questions we had about the entire process. His expertise made buying a home feel relaxed and smooth which allowed us to enjoy the moment!

Ryan P.

Freedom, IN, Sep 14, 2024, 3:28 AM

Josh was excellent in all aspects of the process. He truly cares and treated us like family. I would definitely recommend Ruoff and Josh in particular to my friends and family.

Clinton M H.

Fort Wayne, IN, Aug 8, 2024, 7:31 PM

Great experience

Marc D E.

Fort Wayne, IN, Mar 24, 2024, 4:35 PM

Communication was great and all was very helpful

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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Josh Cranfill

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.

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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.