---
canonical_url: https://lendb.ai/lo/melissa-lutes-234601
json_url: https://lendb.ai/lo/melissa-lutes-234601.json
nmls_id: 234601
last_verified: 2026-10-09
---

# Melissa Lutes

Senior Loan Officer at Ruoff Mortgage. NMLS ID 234601 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234601)).

**Summary:** 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 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 19 (source: https://www.ruoff.com/MelissaLutes, verified 2026-10-09)
- 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/MelissaLutes
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/MelissaLutes
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/MelissaLutes
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/MelissaLutes

## 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.

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

## Facts from the lender page and intro

- years_experience: 19. Source: https://www.ruoff.com/MelissaLutes, verified 2026-10-09.
- service_area: Indiana. Source: https://www.ruoff.com/MelissaLutes, verified 2026-10-09.
- credential: Host of Mortgage Moments with Melissa podcast. Source: https://www.ruoff.com/MelissaLutes, verified 2026-10-09.
- community: Proud supporter of organizations that empower women and strengthen community. Source: https://www.ruoff.com/MelissaLutes, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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/MelissaLutes, 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/234601

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/MelissaLutes

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234601
- lender_site: https://www.ruoff.com/MelissaLutes

Cite as: Melissa Lutes (NMLS 234601), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/melissa-lutes-234601, last verified 2026-10-09.

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