Melissa Lutes
Senior Loan Officer at Ruoff Mortgage
NMLS ID 234601 (opens in a new tab) · verify at NMLS Consumer Access
Melissa Lutes (NMLS 234601) is Senior Loan Officer at Ruoff Mortgage. Lists Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, USDA loan and VA loan. States 19 years of experience.
Last verified . Sources: Ruoff Mortgage (ruoff.com) and NMLS Consumer Access (license status, check live).
- 19 years experience (stated)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: ruoff.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Lender-reported: IN is listed on the lender page, not yet checked with the state regulator.
Contact
No public business contact on file.
We never see who you contact.
Employment history
Ruoff Mortgage NMLS 141868
Current · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
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.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- Host of Mortgage Moments with Melissa podcast
- Source (opens in a new tab), verified 2026-10-09
- Community
- Proud supporter of organizations that empower women and strengthen community
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · ruoff.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: Melissa Lutes (NMLS 234601), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/melissa-lutes-234601, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.