---
canonical_url: https://lendb.ai/lo/kelly-melzoni-howard-1560219
json_url: https://lendb.ai/lo/kelly-melzoni-howard-1560219.json
nmls_id: 1560219
last_verified: 2026-10-09
---

# Kelly Ferris

Senior Loan Officer at Ruoff Mortgage. NMLS ID 1560219 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1560219)).

**Summary:** Kelly Ferris (NMLS 1560219) is Senior Loan Officer at Ruoff Mortgage. Lists Indiana on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: 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


## Facts from the lender page and intro

- service_area: Indiana. Source: https://www.ruoff.com/KellyFerris, verified 2026-10-09.
- credential: President's Club. Source: https://www.ruoff.com/KellyFerris, verified 2026-10-09.
- credential: Top Mortgage Lenders - Scotsman Guide. Source: https://www.ruoff.com/KellyFerris, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO101386 | expired | confirmed | 2022-01-30 | state_regulator | 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/KellyFerris, 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/1560219

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/KellyFerris
- Office phone on file: shown at https://lendb.ai/lo/kelly-melzoni-howard-1560219#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1560219
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.ruoff.com/KellyFerris

Cite as: Kelly Ferris (NMLS 1560219), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/kelly-melzoni-howard-1560219, last verified 2026-10-09.

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