Melanie Kelly-Ruiz
Loan Officer at CrossCountry Mortgage · Houston, TX
NMLS ID 2527629 (opens in a new tab) · verify at NMLS Consumer Access
Melanie Kelly-Ruiz (NMLS 2527629) is Loan Officer at CrossCountry Mortgage, based in Houston, TX. Licensed in 2 states: Florida and Texas. Focus areas shown on the lender page: Non-QM loan, Real estate investor, FHA loan and First-time buyer. 2 years licensed.
Last verified . Sources: CrossCountry Mortgage (crosscountrymortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- 2 years licensed
- 2 states
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: crosscountrymortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Confirmed with the state regulator: FL (opens in a new tab) (LO127929, since 2024), verified 2026-10-09.
Others as listed on the lender page (TX), not yet checked against state regulators.
Contact
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Employment history
CrossCountry Mortgage NMLS 3029
Current · Houston, TX · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
Melanie Kelly-Ruiz serves Houston, TX and surrounding areas with expertise in finance. She focuses on transparent communication and personalized service for buyers, upgraders and investors.
Our summary of the lender page. Verified 2026-10-09.
Reviews
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LenDb reviews
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Sources
| Name and employer | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · crosscountrymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Melanie Kelly-Ruiz (NMLS 2527629), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/melanie-kelly-ruiz-2527629, last verified 2026-10-09.
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