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Kayla Hudson

Senior Loan Officer

NMLS: 1632044

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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Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.
Kayla

99.36%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Florida, Indiana, Tennessee

Meet our happy homeowners***

View All Testimonials

Review 1

Hunter M.

Denver, IN, Sep 22, 2026, 4:41 PM

5.0

Kayla was on top of everything and let me know as soon as she knew anything. she was super nice and never made me feel bad for asking questions. i feel like she just took care of it all and i barely had to do anything.

Review 2

Charles Weston T.

Kokomo, IN, Aug 25, 2026, 3:42 PM

5.0

Kayla was so helpful in every step of the way from getting our credit up and doing all she could to help make this dream of ours possible and i honestly am so blesssd to have someone like kayla to help us! She is the best!

Review 3

Elijah N.

Sweetser, IN, Aug 11, 2026, 3:21 PM

5.0

Kayla took calls and texts while on vacation because she knew we were in a tight deadline. without her going above and beyond this entire thing may have fell apart. Personally the best lender agent I've ever dealt with by miles. thank you!

Review 4

MORGAN D.

Kokomo, IN, Aug 11, 2026, 3:04 PM

5.0

Kayla was very responsive and kind during our confusing process. Thank you again, Kayla!

Review 5

Haley R.

Kokomo, IN, Aug 7, 2026, 3:09 PM

5.0

Wveryoke wqs so hellfula helpful and kind when we were buying our first home! We of course had so many questions and our loan officer Kayka was always quick to respond, kind, and helpful through the whole process.

Review 6

Rolando S.

Kokomo, IN, Aug 6, 2026, 2:16 PM

5.0

Kayla was excellent with notifying me and keeping me updated. She was very professional and kind. We loved working with

Review 1

Hunter M.

Denver, IN, Sep 22, 2026, 4:41 PM

5.0

Kayla was on top of everything and let me know as soon as she knew anything. she was super nice and never made me feel bad for asking questions. i feel like she just took care of it all and i barely had to do anything.

Review 2

Charles Weston T.

Kokomo, IN, Aug 25, 2026, 3:42 PM

5.0

Kayla was so helpful in every step of the way from getting our credit up and doing all she could to help make this dream of ours possible and i honestly am so blesssd to have someone like kayla to help us! She is the best!

Review 3

Elijah N.

Sweetser, IN, Aug 11, 2026, 3:21 PM

5.0

Kayla took calls and texts while on vacation because she knew we were in a tight deadline. without her going above and beyond this entire thing may have fell apart. Personally the best lender agent I've ever dealt with by miles. thank you!

Review 4

MORGAN D.

Kokomo, IN, Aug 11, 2026, 3:04 PM

5.0

Kayla was very responsive and kind during our confusing process. Thank you again, Kayla!

Review 5

Haley R.

Kokomo, IN, Aug 7, 2026, 3:09 PM

5.0

Wveryoke wqs so hellfula helpful and kind when we were buying our first home! We of course had so many questions and our loan officer Kayka was always quick to respond, kind, and helpful through the whole process.

Review 6

Rolando S.

Kokomo, IN, Aug 6, 2026, 2:16 PM

5.0

Kayla was excellent with notifying me and keeping me updated. She was very professional and kind. We loved working with

Review 7

Anthony W F.

Russiaville, IN, Jul 1, 2026, 7:00 PM

5.0

Kayla was great through the whol eprocess. Purchase would not have been possible without her.

Review 8

Thomas James P.

Kokomo, IN, Jun 11, 2026, 2:31 PM

5.0

You made the process significantly less stressful even as a first home buyer. Always got back to me as soon as you could and helped me understand my options. Thank you for everything!

Review 9

Darcee C.

Walton, IN, Jun 9, 2026, 3:09 PM

5.0

Kayla was amazin. We ran into a lot of challenges along the way, she not only explained orur options, she explained the costs and benefit/ disadvantage. She always answered me , even on the weekends, when we had questions or concerns and even frustration. Kayla made the whole process so much easier to understand. She was absolutely amazing and we appreciated her so much!

Review 10

Brian D W.

Rochester, IN, Jun 2, 2026, 11:51 AM

5.0

Kayla, was helpful and responsive at every stage. She returned emails and phone calls amaz fast.

Review 11

Charles A H.

Kokomo, IN, Jun 1, 2026, 3:21 PM

5.0

Kayla's response to any an dall questions from me were well with in a timely fashion. She stayed in contact well and made me like she was keeping me as informed as possible throughout the whole process. Super nice and curtious when I felt lost and confused she was very understanding. Just overall, I think the process was made as painless as possible.

Review 12

Amber H.

Kokomo, IN, May 26, 2026, 3:07 PM

5.0

Kayla was easy to work with and very helpful throughout the whole process

Review 13

Marvin J P.

Kokomo, IN, May 25, 2026, 1:29 PM

5.0

Kayla, I want to thank you for the great job you did for Nina and I in securing our mortgage! You were professional, efficient and every step of the way went smoothly! Todd Warden said you are the best, and he was right!

Review 7

Anthony W F.

Russiaville, IN, Jul 1, 2026, 7:00 PM

5.0

Kayla was great through the whol eprocess. Purchase would not have been possible without her.

Review 8

Thomas James P.

Kokomo, IN, Jun 11, 2026, 2:31 PM

5.0

You made the process significantly less stressful even as a first home buyer. Always got back to me as soon as you could and helped me understand my options. Thank you for everything!

Review 9

Darcee C.

Walton, IN, Jun 9, 2026, 3:09 PM

5.0

Kayla was amazin. We ran into a lot of challenges along the way, she not only explained orur options, she explained the costs and benefit/ disadvantage. She always answered me , even on the weekends, when we had questions or concerns and even frustration. Kayla made the whole process so much easier to understand. She was absolutely amazing and we appreciated her so much!

Review 10

Brian D W.

Rochester, IN, Jun 2, 2026, 11:51 AM

5.0

Kayla, was helpful and responsive at every stage. She returned emails and phone calls amaz fast.

Review 11

Charles A H.

Kokomo, IN, Jun 1, 2026, 3:21 PM

5.0

Kayla's response to any an dall questions from me were well with in a timely fashion. She stayed in contact well and made me like she was keeping me as informed as possible throughout the whole process. Super nice and curtious when I felt lost and confused she was very understanding. Just overall, I think the process was made as painless as possible.

Review 12

Amber H.

Kokomo, IN, May 26, 2026, 3:07 PM

5.0

Kayla was easy to work with and very helpful throughout the whole process

Review 13

Marvin J P.

Kokomo, IN, May 25, 2026, 1:29 PM

5.0

Kayla, I want to thank you for the great job you did for Nina and I in securing our mortgage! You were professional, efficient and every step of the way went smoothly! Todd Warden said you are the best, and he was right!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Kayla Hudson

A Bit About Me

As a Senior Loan Officer at Ruoff Mortgage, I'm passionate about helping people achieve homeownership. My role goes beyond financing—I'm also a financial educator, helping clients understand credit, budgeting, and mortgage options so they can make confident decisions. Every borrower has unique goals, and I take pride in providing honest guidance and personalized solutions. Before joining Ruoff, I spent 11 years at a credit union, building a strong foundation in financial services and customer relationships. My greatest reward is handing clients the keys to their new home and knowing I helped make that milestone possible.

Awards & Achievements

Top Mortgage Lenders Award

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 Florida, Indiana, Tennessee

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.