{
  "canonical_url": "https://lendb.ai/lo/melissa-lutes-234601",
  "loan_officer": {
    "nmls_id": 234601,
    "slug": "melissa-lutes-234601",
    "canonical_url": "https://lendb.ai/lo/melissa-lutes-234601",
    "md_url": "https://lendb.ai/lo/melissa-lutes-234601.md",
    "json_url": "https://lendb.ai/lo/melissa-lutes-234601.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234601",
    "full_name": {
      "value": "Melissa Lutes",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "first_name": "Melissa",
    "last_name": "Lutes",
    "headshot_url": {
      "value": "https://a.ruoff.com/image/a5fecac523bbc741f5e044047914123c/size/600/type/fullShoulder",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Melissa Lutes has 19 years of mortgage experience serving Indiana families, specializing in FHA, VA, USDA, conventional loans and down payment assistance programs. She hosts the Mortgage Moments with Melissa podcast.",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 19,
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 141868,
      "lender_name": "Ruoff Mortgage",
      "lender_slug": "ruoff-mortgage-141868",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ruoff.com/MelissaLutes",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/MelissaLutes",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 141868,
        "lender_name": "Ruoff Mortgage",
        "lender_slug": "ruoff-mortgage-141868",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ruoff.com/MelissaLutes",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "19",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Indiana",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Host of Mortgage Moments with Melissa podcast",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Proud supporter of organizations that empower women and strengthen community",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/MelissaLutes",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:36:24.469451+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}