
Stephanie Henderly
Loan Officer
NMLS: 1367068 | OH: MLO.048724.001
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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100%
Customer Satisfaction Score.


Awards
Proudly serving Michigan, Ohio
Meet our happy homeowners***
View All TestimonialsReview 1
Chase B.
Maumee, OH, Jun 4, 2024, 3:34 PM
5.0
Stephanie, you were absolutely incredible! Buying a house with a friend can feel like a recipe for disaster, but you made the entire process so smooth for Austin and me, it almost felt too easy. We closed in just two weeks, and honestly, I can't believe how stress-free it all was! Going into this, I was a nervous wreck. Deciding to buy a house with a friend is a big decision, and frankly, the whole mortgage process always seemed so complicated. But you were there for us every step of the way. You patiently explained everything in terms we could understand, even the most technical stuff. Your clear breakdown made it all click, and we felt so much more confident moving forward. And let's not forget how responsive you were! Whenever Austin or I had a question, no matter how small or silly it might have seemed, you were always just a phone call or text away. You never made us feel like we were bothering you, and you always took the time to walk us through things clearly. That constant communication was a lifesaver, especially during those moments when anxieties started to creep in. Honestly, Stephanie, thanks to you, the entire home buying experience became a breeze. We never felt overwhelmed or lost in the process, and you made sure everything stayed on track for a smooth and speedy closing. Looking back, I can't believe we closed in just two weeks! It would have been a completely different story without your expertise, guidance, and constant support. We truly appreciate everything you did for us, Stephanie. You're an amazing loan officer!
Review 2
Viktor H.
Toledo, OH, Apr 16, 2024, 6:26 PM
5.0
I continue to be extremely impressed with the knowledgeable, helpful and dedicated service throught the mortgage lending process at Ruoff. My loan officer, Stephanie Henderly, went the extra mile with all her hard work. I am truly grateful for her and Ruoff for helping me make my homeowners dream a reality!
Review 3
Lilly M.
Oregon, OH, Mar 19, 2024, 3:19 PM
5.0
Stephanie was super nice. Always had a smile on her face. Very professional. Over all an amazing experience. Thank you
Review 4
Allison K.
Swanton, OH, Nov 3, 2025, 4:12 PM
5.0
Stephanie went above and beyond to help our closing go smoothly. She kept us up-to-date on everything in the loan process!
Review 5
Amy C.
Toledo, OH, May 26, 2026, 4:20 PM
5.0
Stephanie is always up to date and was so helpful! 10/10
Review 6
Jena D.
Van Buren Township, MI, May 21, 2026, 9:58 PM
5.0
Stephanie was extremely helpful in the process of seeking and obtaining financing for our new home. I was also at times in contact with other members of the Ruoff staff and everyone was extremely curtious and helpful. I would highly recommend Stephanie and Ruoff Mortgage to anyone looking for financial assistance in the future.
Review 7
Andrew R B.
Van Buren Township, MI, May 17, 2026, 7:40 PM
5.0
I've used Ruoff for a remortgage on my house, so asking Stephanie Henderly to do our mortgage for a new house was no question! Ruoff is organized, freindly and efficient. I recommend them and Stephanie to anyone I hear talking about mortgages.
Review 8
Tiffany W.
Toledo, OH, Mar 9, 2026, 2:15 AM
5.0
Stephanie was always available when I needed her. No matter the time of day, she was available. She explained everything to the fullest during the whole process. If there was a question she didn't have the answer to, she did everything she could to get me an answer. Love Stephanie kindness so much she helped that I even recommended a coworker to have Stephanie as her loan officer!
Review 1
Chase B.
Maumee, OH, Jun 4, 2024, 3:34 PM
5.0
Stephanie, you were absolutely incredible! Buying a house with a friend can feel like a recipe for disaster, but you made the entire process so smooth for Austin and me, it almost felt too easy. We closed in just two weeks, and honestly, I can't believe how stress-free it all was! Going into this, I was a nervous wreck. Deciding to buy a house with a friend is a big decision, and frankly, the whole mortgage process always seemed so complicated. But you were there for us every step of the way. You patiently explained everything in terms we could understand, even the most technical stuff. Your clear breakdown made it all click, and we felt so much more confident moving forward. And let's not forget how responsive you were! Whenever Austin or I had a question, no matter how small or silly it might have seemed, you were always just a phone call or text away. You never made us feel like we were bothering you, and you always took the time to walk us through things clearly. That constant communication was a lifesaver, especially during those moments when anxieties started to creep in. Honestly, Stephanie, thanks to you, the entire home buying experience became a breeze. We never felt overwhelmed or lost in the process, and you made sure everything stayed on track for a smooth and speedy closing. Looking back, I can't believe we closed in just two weeks! It would have been a completely different story without your expertise, guidance, and constant support. We truly appreciate everything you did for us, Stephanie. You're an amazing loan officer!
Review 2
Viktor H.
Toledo, OH, Apr 16, 2024, 6:26 PM
5.0
I continue to be extremely impressed with the knowledgeable, helpful and dedicated service throught the mortgage lending process at Ruoff. My loan officer, Stephanie Henderly, went the extra mile with all her hard work. I am truly grateful for her and Ruoff for helping me make my homeowners dream a reality!
Review 3
Lilly M.
Oregon, OH, Mar 19, 2024, 3:19 PM
5.0
Stephanie was super nice. Always had a smile on her face. Very professional. Over all an amazing experience. Thank you
Review 4
Allison K.
Swanton, OH, Nov 3, 2025, 4:12 PM
5.0
Stephanie went above and beyond to help our closing go smoothly. She kept us up-to-date on everything in the loan process!
Review 5
Amy C.
Toledo, OH, May 26, 2026, 4:20 PM
5.0
Stephanie is always up to date and was so helpful! 10/10
Review 6
Jena D.
Van Buren Township, MI, May 21, 2026, 9:58 PM
5.0
Stephanie was extremely helpful in the process of seeking and obtaining financing for our new home. I was also at times in contact with other members of the Ruoff staff and everyone was extremely curtious and helpful. I would highly recommend Stephanie and Ruoff Mortgage to anyone looking for financial assistance in the future.
Review 7
Andrew R B.
Van Buren Township, MI, May 17, 2026, 7:40 PM
5.0
I've used Ruoff for a remortgage on my house, so asking Stephanie Henderly to do our mortgage for a new house was no question! Ruoff is organized, freindly and efficient. I recommend them and Stephanie to anyone I hear talking about mortgages.
Review 8
Tiffany W.
Toledo, OH, Mar 9, 2026, 2:15 AM
5.0
Stephanie was always available when I needed her. No matter the time of day, she was available. She explained everything to the fullest during the whole process. If there was a question she didn't have the answer to, she did everything she could to get me an answer. Love Stephanie kindness so much she helped that I even recommended a coworker to have Stephanie as her loan officer!
Review 9
Molly N.
Napoleon, OH, Jan 20, 2026, 5:55 PM
5.0
Stephanie was knowledgable and explained every step of the process. She was EXACTLY who we wanted as first time homebuyers. She is customer service driven and it was evident that she personally cared about us and getting us the information we needed to make educated decisions.
Review 10
John M N.
Napoleon, OH, Jan 19, 2026, 5:20 PM
5.0
Stephanie was excellent to do business with during the entire process from start to finish. She was very helpful with any questions I had. Stephanie was always timely and prompt when returning phone calls and emails. The experience as a whole was very pleasant thanks to her constant efforts.
Review 11
Evan Dean D.
Pemberville, OH, Dec 25, 2025, 3:25 AM
5.0
Stephanie Henderly is the absolute best when it comes to all things mortgage related. Extremely personable, always in communication, very helpful and very willing to answer the multiude of questions I had as a First time homebuyer. She truly cares about each client and wants the best for the client. She will always be highly recommended by me!
Review 12
Anthony John R.
TOLEDO, OH, Dec 23, 2025, 11:36 PM
5.0
Quick and clear communication. If I could have chosen from 1000 loan officers, I don't think I could have chosen a better one than Stephanie!
Review 13
Heather A P.
Sylvania, OH, Nov 19, 2025, 6:25 PM
5.0
Stephanie was very knowledgeable and kept informed every step of the way. She way easy to work with!
Review 14
Matthew K.
Swanton, OH, Nov 3, 2025, 4:27 PM
5.0
Our loan officer was supper easy to work with and answered and questions we had. She aways had us up to date on all progress through the whole experience. 10 out of 10
Review 15
Larry W S.
Toledo, OH, Oct 19, 2025, 2:52 AM
5.0
Stephanie Henderly was exceptionally helpful with the whole loan process.
Review 16
Clara M F.
Toledo, OH, Aug 13, 2025, 12:25 PM
5.0
Stephanie was amazing to work with. From the first time we set foot in her office we felt that we were in great hands. We felt that she genuinely cared for us and was working hard to help us get what was best for us. She was always transparent and had great communication skills. There was no point in this process where my husband and I felt lost or confused, event though this was the first time going through this process. She was able to educate us and help answer any questions we had. We would recommend Stephanie to anyone looking to get a loan! Thanks for everything!
Review 9
Molly N.
Napoleon, OH, Jan 20, 2026, 5:55 PM
5.0
Stephanie was knowledgable and explained every step of the process. She was EXACTLY who we wanted as first time homebuyers. She is customer service driven and it was evident that she personally cared about us and getting us the information we needed to make educated decisions.
Review 10
John M N.
Napoleon, OH, Jan 19, 2026, 5:20 PM
5.0
Stephanie was excellent to do business with during the entire process from start to finish. She was very helpful with any questions I had. Stephanie was always timely and prompt when returning phone calls and emails. The experience as a whole was very pleasant thanks to her constant efforts.
Review 11
Evan Dean D.
Pemberville, OH, Dec 25, 2025, 3:25 AM
5.0
Stephanie Henderly is the absolute best when it comes to all things mortgage related. Extremely personable, always in communication, very helpful and very willing to answer the multiude of questions I had as a First time homebuyer. She truly cares about each client and wants the best for the client. She will always be highly recommended by me!
Review 12
Anthony John R.
TOLEDO, OH, Dec 23, 2025, 11:36 PM
5.0
Quick and clear communication. If I could have chosen from 1000 loan officers, I don't think I could have chosen a better one than Stephanie!
Review 13
Heather A P.
Sylvania, OH, Nov 19, 2025, 6:25 PM
5.0
Stephanie was very knowledgeable and kept informed every step of the way. She way easy to work with!
Review 14
Matthew K.
Swanton, OH, Nov 3, 2025, 4:27 PM
5.0
Our loan officer was supper easy to work with and answered and questions we had. She aways had us up to date on all progress through the whole experience. 10 out of 10
Review 15
Larry W S.
Toledo, OH, Oct 19, 2025, 2:52 AM
5.0
Stephanie Henderly was exceptionally helpful with the whole loan process.
Review 16
Clara M F.
Toledo, OH, Aug 13, 2025, 12:25 PM
5.0
Stephanie was amazing to work with. From the first time we set foot in her office we felt that we were in great hands. We felt that she genuinely cared for us and was working hard to help us get what was best for us. She was always transparent and had great communication skills. There was no point in this process where my husband and I felt lost or confused, event though this was the first time going through this process. She was able to educate us and help answer any questions we had. We would recommend Stephanie to anyone looking to get a loan! Thanks for everything!
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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
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award
Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.



