---
canonical_url: https://lendb.ai/lo/chelsea-lentes-1481193
json_url: https://lendb.ai/lo/chelsea-lentes-1481193.json
nmls_id: 1481193
last_verified: 2026-10-09
---

# Chelsea Lentes

Senior Loan Officer at Ruoff Mortgage. NMLS ID 1481193 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1481193)).

**Summary:** Chelsea Lentes (NMLS 1481193) is Senior Loan Officer at Ruoff Mortgage. Lists Illinois and Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, First-time buyer, Manufactured home and USDA loan. States 11 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 11 (source: https://www.ruoff.com/ChelseaLentes, verified 2026-10-09)
- Licensed in: Illinois (IL, lender_reported), Indiana (IN, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **Manufactured home** (`manufactured`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/ChelseaLentes

## About

Chelsea has nearly 11 years in the mortgage industry with experience from both lending and processing sides. They specialize in first-time and repeat homebuyers, and serve Terre Haute, Wabash Valley, Indiana and Illinois.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 11. Source: https://www.ruoff.com/ChelseaLentes, verified 2026-10-09.
- service_area: Terre Haute, Wabash Valley, Indiana and Illinois. Source: https://www.ruoff.com/ChelseaLentes, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/ChelseaLentes, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1481193

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/ChelseaLentes
- Office phone on file: shown at https://lendb.ai/lo/chelsea-lentes-1481193#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1481193
- lender_site: https://www.ruoff.com/ChelseaLentes

Cite as: Chelsea Lentes (NMLS 1481193), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/chelsea-lentes-1481193, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._