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Scott Phegley

Senior Loan Officer

NMLS: 610874

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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Scott

98.8%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Illinois, Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Robyn Noelle S.

Hindsboro, IL, Aug 18, 2026, 3:53 PM

5.0

Helped explain things we had no idea about when it came to buying a home.

Review 2

Austin J M.

Bicknell, IN, Aug 18, 2026, 4:08 PM

5.0

Scott is phenomenal! He helped us so much and I don't think we could have had a better experience! Every question we had was answered within a timely manner even if it was outside of normal office hours. Without him I truly don't think our experience would have been this smooth! It was a pleasure working with Scott!

Review 3

Austin Tyler B.

Jasonville, IN, Aug 10, 2026, 10:52 PM

5.0

Scott made everything easy to understand. I had many questions about what was going and how to do some things. Scott was exceptional ar at answering all questions and inquiries. He did an amazing job at making sure everything got to me as soon as possible and to help me get everything I needed.

Review 4

Dawn W.

ROBINSON, IL, Aug 10, 2026, 4:15 AM

5.0

The entire process went fairly quick. Instructions were easy to navigate.

Review 5

Justin K E.

Terre Haute, IN, Aug 7, 2026, 5:09 AM

5.0

I had a pleasant experience with Ruoff and they all made the process go smooth and easy.

Review 6

Brittannie L B.

Terre Haute, IN, Aug 5, 2026, 5:34 PM

5.0

Scott was Excellent at answering everything in a timely fashion.

Review 1

Robyn Noelle S.

Hindsboro, IL, Aug 18, 2026, 3:53 PM

5.0

Helped explain things we had no idea about when it came to buying a home.

Review 2

Austin J M.

Bicknell, IN, Aug 18, 2026, 4:08 PM

5.0

Scott is phenomenal! He helped us so much and I don't think we could have had a better experience! Every question we had was answered within a timely manner even if it was outside of normal office hours. Without him I truly don't think our experience would have been this smooth! It was a pleasure working with Scott!

Review 3

Austin Tyler B.

Jasonville, IN, Aug 10, 2026, 10:52 PM

5.0

Scott made everything easy to understand. I had many questions about what was going and how to do some things. Scott was exceptional ar at answering all questions and inquiries. He did an amazing job at making sure everything got to me as soon as possible and to help me get everything I needed.

Review 4

Dawn W.

ROBINSON, IL, Aug 10, 2026, 4:15 AM

5.0

The entire process went fairly quick. Instructions were easy to navigate.

Review 5

Justin K E.

Terre Haute, IN, Aug 7, 2026, 5:09 AM

5.0

I had a pleasant experience with Ruoff and they all made the process go smooth and easy.

Review 6

Brittannie L B.

Terre Haute, IN, Aug 5, 2026, 5:34 PM

5.0

Scott was Excellent at answering everything in a timely fashion.

Review 7

Abbie Grace P.

Shelburn, IN, Aug 1, 2026, 3:02 PM

5.0

Scott is very professional and so quick to respond. He made this process so much easier and less stressful.

Review 8

April K M.

Sullivan, IN, Jul 27, 2026, 3:14 PM

5.0

Scott was fantastic! He was incredibly responsive, was extremely patient with my 1 million questions as a first time home buyer, and worked on July 4th to accommodate us! Talk about financial fireworks! Best of all, thanks to his help, I didn't even have to sell a kidney on the black market to get the house! He made the process easy, personal, and much less stressful than we expected. We truly appreciate his dedictation and would absolutely recommend him!

Review 9

Kealie S H.

Robinson, IL, Jul 26, 2026, 11:49 PM

5.0

Scott was very knowledgeable and patient with us throughout the entire process. He was quick to answer any and all questions!

Review 10

Ignacio R.

Vincennes, IN, Jul 21, 2026, 3:17 PM

5.0

they were on top of everything and work with what was best for us

Review 11

Randa L C.

Lawrenceville, IL, Jul 10, 2026, 3:04 PM

5.0

Very good communication, nice and honest.

Review 12

Ayden A.

Robinson, IL, Jul 17, 2026, 8:14 PM

5.0

Scott was great to work with and was clear through the whole process. He made our second buying experience seamless!

Review 13

Nicholas K P.

Sullivan, IN, Jul 6, 2026, 3:08 PM

5.0

Friendly staff vary knowledgeable and organized

Review 7

Abbie Grace P.

Shelburn, IN, Aug 1, 2026, 3:02 PM

5.0

Scott is very professional and so quick to respond. He made this process so much easier and less stressful.

Review 8

April K M.

Sullivan, IN, Jul 27, 2026, 3:14 PM

5.0

Scott was fantastic! He was incredibly responsive, was extremely patient with my 1 million questions as a first time home buyer, and worked on July 4th to accommodate us! Talk about financial fireworks! Best of all, thanks to his help, I didn't even have to sell a kidney on the black market to get the house! He made the process easy, personal, and much less stressful than we expected. We truly appreciate his dedictation and would absolutely recommend him!

Review 9

Kealie S H.

Robinson, IL, Jul 26, 2026, 11:49 PM

5.0

Scott was very knowledgeable and patient with us throughout the entire process. He was quick to answer any and all questions!

Review 10

Ignacio R.

Vincennes, IN, Jul 21, 2026, 3:17 PM

5.0

they were on top of everything and work with what was best for us

Review 11

Randa L C.

Lawrenceville, IL, Jul 10, 2026, 3:04 PM

5.0

Very good communication, nice and honest.

Review 12

Ayden A.

Robinson, IL, Jul 17, 2026, 8:14 PM

5.0

Scott was great to work with and was clear through the whole process. He made our second buying experience seamless!

Review 13

Nicholas K P.

Sullivan, IN, Jul 6, 2026, 3:08 PM

5.0

Friendly staff vary knowledgeable and organized

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Scott Phegley

A Bit About Me

With over 25 years of real estate and mortgage experience, I help families and individuals across Sullivan, Terre Haute, Vincennes, and Princeton in Indiana, and Marshall, Paris, Robinson, and Lawrenceville in Illinois, purchase, refinance, build, or move up.

I deliver fast, clear pre-approvals backed by deep local market knowledge so you understand every option available. My low-pressure, educational approach and strong communication keep you informed and comfortable from start to finish. I listen to your goals and match the right solution without unnecessary pressure.

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.

President's Club Award

President's Club

4x 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 Illinois, 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.

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.