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

Warren Winburn

Senior Loan Officer

NMLS: 2242795 | KY: MC765926 | OH: MLO-OH.2242795

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio
Warren

94.04%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Indiana, Kentucky, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Jessica Ann G.

Clarksville, IN, Jul 29, 2026, 2:41 AM

They were there every step of the way and made our home buying process excellent

Adalberto C.

Louisville, KY, Jul 14, 2026, 3:06 PM

Having Warren on your team. He is the best!

Heather B.

Indianapolis, IN, Jun 24, 2026, 4:03 PM

Warren & Team were so wonderful to work with throughout our entire experience. Very communicative and so easy to work with. Thank you for making this easy as pie!

Britney G.

CINCINNATI, OH, Jun 13, 2026, 3:09 PM

We had a great experience with Ruoff Mortgage and Warren Winburn. The entire loan process was smooth, easy, and stress-free. Warren and his team kept us informed every step of the way, provided regular updates on our loan status, and were always available to answer questions. Their communication, professionalism, and dedication made the home-buying process a positive experience. We highly recommend Warren and the Ruoff Mortgage team!

Jesus E G.

Mason, OH, Jun 2, 2026, 3:07 PM

He was kind and attentive and answered all my questions.

Kyle Patrick W.

Jeffersonville, IN, Apr 19, 2026, 10:34 PM

Warren helped our son with his mortgage for his first house and worked close with his agent. When we decided to move we knew of a great team and our experience was terrific. Warren made our experience seamless. He even worked with my busy schedule and gently reminded me when I needed to sign documents. He's terrific! ❤️

Jessica Ann G.

Clarksville, IN, Jul 29, 2026, 2:41 AM

They were there every step of the way and made our home buying process excellent

Adalberto C.

Louisville, KY, Jul 14, 2026, 3:06 PM

Having Warren on your team. He is the best!

Heather B.

Indianapolis, IN, Jun 24, 2026, 4:03 PM

Warren & Team were so wonderful to work with throughout our entire experience. Very communicative and so easy to work with. Thank you for making this easy as pie!

Britney G.

CINCINNATI, OH, Jun 13, 2026, 3:09 PM

We had a great experience with Ruoff Mortgage and Warren Winburn. The entire loan process was smooth, easy, and stress-free. Warren and his team kept us informed every step of the way, provided regular updates on our loan status, and were always available to answer questions. Their communication, professionalism, and dedication made the home-buying process a positive experience. We highly recommend Warren and the Ruoff Mortgage team!

Jesus E G.

Mason, OH, Jun 2, 2026, 3:07 PM

He was kind and attentive and answered all my questions.

Kyle Patrick W.

Jeffersonville, IN, Apr 19, 2026, 10:34 PM

Warren helped our son with his mortgage for his first house and worked close with his agent. When we decided to move we knew of a great team and our experience was terrific. Warren made our experience seamless. He even worked with my busy schedule and gently reminded me when I needed to sign documents. He's terrific! ❤️

Shannon Eugene M.

Bloomfield, KY, Mar 31, 2026, 3:11 PM

Warren and his team was extremely nice and patient with me and the also answered all questions that I asked of them. It was a great experience working with Warren and all who where involved...

Edwin R J.

Indianapolis, IN, Mar 3, 2026, 1:44 PM

Warren and his team were both incredibly knowledgeable, and supportive throughout the process. My wife and I are first-time homeowners and working with Ruoff made a daunting life change into a series of manageable steps. I felt reassured that I didn't leave any loose ends with how on top of things the Ruoff team was. While I hope I'm not moving any time soon, I look forward to working with Warren and his team again the next time we need to go through this process.

Raycynthiara K.

Cincinnati, OH, Feb 22, 2026, 10:18 PM

Excellent communication and would recommend

Patrice LaShawn M.

Cincinnati, OH, Feb 10, 2026, 11:08 PM

Warren was very kind, knowledgeable and kept us informed every step of the way! No questions were too dumb for him. Very happy to have our first homebuying experience with him!

Gage V.

INDIANAPOLIS, IN, Dec 22, 2025, 1:04 PM

It was simple and easy

Leslie Carol N.

Louisville, KY, Dec 9, 2025, 4:11 PM

Responded quickly to questions, kept me informed, and guided me every step of the way.

Jacob A. O.

Cincinnati, OH, Nov 18, 2025, 4:35 PM

What can I say about Warren and Aubrey? From the very beginning, they weren’t just focused on helping my family secure a loan to purchase our forever home, they were committed to making sure we felt supported, informed, and comfortable every step of the way. Their knowledge, empathy, and genuine care were evident throughout the entire process. I’m someone who asks a million questions, and not once did they make me feel like a burden. They welcomed every concern with patience and understanding. Buying our forever home while selling our starter home was incredibly stressful, and my wife and I were feeling the weight of it all. Warren and Aubrey handled the loan process with such professionalism and compassion that it truly made a difference in our experience. One of the things I appreciated most about working with Warren is that his dedication goes far beyond his role at Ruoff. He’s deeply involved in supporting and giving back to his local community, which resonates with me personally. Growing up with limited resources and now being in a position to give back myself, I value relationships with people who share that same commitment. Warren is a true advocate for his community, and getting to know him beyond the transaction has been a gift. The Loan Butler software was also a game-changer, streamlining communication, simplifying document uploads, and making the entire process efficient and user-friendly. It really helped us stay on track and feel confident as we moved forward. Warren and Aubrey, thank you from the bottom of our hearts for helping us find and finance our forever home. Your empathy, care, and constant communication meant the world to us. Ruoff is lucky to have you both, you’re absolute gems. This was a 10 out of 10 experience for our family, and we’re so grateful. Forever thankful for your care and commitment to my family during such a stressful few months of buying and selling.

Shannon Eugene M.

Bloomfield, KY, Mar 31, 2026, 3:11 PM

Warren and his team was extremely nice and patient with me and the also answered all questions that I asked of them. It was a great experience working with Warren and all who where involved...

Edwin R J.

Indianapolis, IN, Mar 3, 2026, 1:44 PM

Warren and his team were both incredibly knowledgeable, and supportive throughout the process. My wife and I are first-time homeowners and working with Ruoff made a daunting life change into a series of manageable steps. I felt reassured that I didn't leave any loose ends with how on top of things the Ruoff team was. While I hope I'm not moving any time soon, I look forward to working with Warren and his team again the next time we need to go through this process.

Raycynthiara K.

Cincinnati, OH, Feb 22, 2026, 10:18 PM

Excellent communication and would recommend

Patrice LaShawn M.

Cincinnati, OH, Feb 10, 2026, 11:08 PM

Warren was very kind, knowledgeable and kept us informed every step of the way! No questions were too dumb for him. Very happy to have our first homebuying experience with him!

Gage V.

INDIANAPOLIS, IN, Dec 22, 2025, 1:04 PM

It was simple and easy

Leslie Carol N.

Louisville, KY, Dec 9, 2025, 4:11 PM

Responded quickly to questions, kept me informed, and guided me every step of the way.

Jacob A. O.

Cincinnati, OH, Nov 18, 2025, 4:35 PM

What can I say about Warren and Aubrey? From the very beginning, they weren’t just focused on helping my family secure a loan to purchase our forever home, they were committed to making sure we felt supported, informed, and comfortable every step of the way. Their knowledge, empathy, and genuine care were evident throughout the entire process. I’m someone who asks a million questions, and not once did they make me feel like a burden. They welcomed every concern with patience and understanding. Buying our forever home while selling our starter home was incredibly stressful, and my wife and I were feeling the weight of it all. Warren and Aubrey handled the loan process with such professionalism and compassion that it truly made a difference in our experience. One of the things I appreciated most about working with Warren is that his dedication goes far beyond his role at Ruoff. He’s deeply involved in supporting and giving back to his local community, which resonates with me personally. Growing up with limited resources and now being in a position to give back myself, I value relationships with people who share that same commitment. Warren is a true advocate for his community, and getting to know him beyond the transaction has been a gift. The Loan Butler software was also a game-changer, streamlining communication, simplifying document uploads, and making the entire process efficient and user-friendly. It really helped us stay on track and feel confident as we moved forward. Warren and Aubrey, thank you from the bottom of our hearts for helping us find and finance our forever home. Your empathy, care, and constant communication meant the world to us. Ruoff is lucky to have you both, you’re absolute gems. This was a 10 out of 10 experience for our family, and we’re so grateful. Forever thankful for your care and commitment to my family during such a stressful few months of buying and selling.

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

Apply Now
Warren Winburn

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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, Kentucky, Michigan, Ohio

Warren Winburn

Senior Loan Officer

NMLS: 2242795

KY: MC765926

OH: MLO-OH.2242795

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.