---
canonical_url: https://lendb.ai/lo/melanie-kelly-ruiz-2527629
json_url: https://lendb.ai/lo/melanie-kelly-ruiz-2527629.json
nmls_id: 2527629
last_verified: 2026-10-09
---

# Melanie Kelly-Ruiz

Loan Officer at CrossCountry Mortgage, Houston, TX. NMLS ID 2527629 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2527629)).

**Summary:** Melanie Kelly-Ruiz (NMLS 2527629) is Loan Officer at CrossCountry Mortgage, based in Houston, TX. Licensed in Florida, confirmed with the state regulator (license LO127929). Also lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, Real estate investor, FHA loan and First-time buyer. Earliest state license record: April 18, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 18, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, 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

- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/

## 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.

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

## Facts from the lender page and intro

- education: strong foundation in finance. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO127929 | active | confirmed | 2024-04-18 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Houston, TX. Source: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/, 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/2527629

## Contact

- linkedin_url: https://www.linkedin.com/in/melanie-kelly-ruiz-67a20a51/ (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/
- Email on file: shown at https://lendb.ai/lo/melanie-kelly-ruiz-2527629#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2527629
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://crosscountrymortgage.com/houston-tx-6820/melanie-kelly-ruiz/

Cite as: Melanie Kelly-Ruiz (NMLS 2527629), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/melanie-kelly-ruiz-2527629, last verified 2026-10-09.

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