Mary (Ward) Ruffner was born on June 13, 1888, in Benton, Illinois, the daughter of Lulu B. Ward. She was raised by her widowed mother and a maiden aunt. She had two siblings, Helen and John.
"She claimed to have been an indifferent student," her son Lester “Budge” Ruffner wrote in a birthday tribute to her in 1933, "yet in the world of music she possessed a talent far above average. . . It demanded that her family, mother, aunts, uncles and cousins pool funds for her advanced training."
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