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Year started: 2016. Years of experience: 10.
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Chelsea Lentes

Senior Loan Officer

NMLS: 1481193

Ready to help make your homeownership dreams come true through advocacy, guidance, and education.

Read full bio
Chelsea

99.06%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner Award

Awards

10

Years of helping homeowners like you.

Proudly serving Illinois, Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Katherine Virginia B.

Sullivan, IN, Oct 2, 2026, 3:19 PM

5.0

My loan officer was very knowledgeable, thorough, and their response timing was impeccable!

Review 2

Jordan Anthony R.

West Terre Haute, IN, Sep 28, 2026, 6:07 PM

5.0

Quick responses and very helpful throughout the loan process!

Review 3

Megan S.

Terre Haute, IN, Aug 31, 2026, 3:24 PM

5.0

Chelsea went above and beyond for us throughout the entire process. She kept us in the loop throughout the whole thing and was always available to answer any questions. Highly recommend !

Review 4

Travis Cody L.

West Terre Haute, IN, Aug 6, 2026, 8:14 PM

5.0

Chelsea was super helpful through the whole process and responded quickly anytime during the day.

Review 5

Kaitlin B.

Sullivan, IN, Aug 5, 2026, 10:17 PM

5.0

Excellent communication and very easy and pleasant to work with. Explained the entire process as we went.

Review 6

Adam B.

Terre Haute, IN, Aug 5, 2026, 3:48 PM

5.0

Chelsea was extremely knowledgeable and friendly. She answered all our questions and always responded promptly through text or phone call. As a first time home buyer, she made the process much easier to navigate and helped us get a home perfect for us even without having a down-payment. We would absolutely work with Chelsea again!

Review 1

Katherine Virginia B.

Sullivan, IN, Oct 2, 2026, 3:19 PM

5.0

My loan officer was very knowledgeable, thorough, and their response timing was impeccable!

Review 2

Jordan Anthony R.

West Terre Haute, IN, Sep 28, 2026, 6:07 PM

5.0

Quick responses and very helpful throughout the loan process!

Review 3

Megan S.

Terre Haute, IN, Aug 31, 2026, 3:24 PM

5.0

Chelsea went above and beyond for us throughout the entire process. She kept us in the loop throughout the whole thing and was always available to answer any questions. Highly recommend !

Review 4

Travis Cody L.

West Terre Haute, IN, Aug 6, 2026, 8:14 PM

5.0

Chelsea was super helpful through the whole process and responded quickly anytime during the day.

Review 5

Kaitlin B.

Sullivan, IN, Aug 5, 2026, 10:17 PM

5.0

Excellent communication and very easy and pleasant to work with. Explained the entire process as we went.

Review 6

Adam B.

Terre Haute, IN, Aug 5, 2026, 3:48 PM

5.0

Chelsea was extremely knowledgeable and friendly. She answered all our questions and always responded promptly through text or phone call. As a first time home buyer, she made the process much easier to navigate and helped us get a home perfect for us even without having a down-payment. We would absolutely work with Chelsea again!

Review 7

Rachel B.

Terre Haute, IN, Aug 5, 2026, 3:49 PM

5.0

Chelsea was extremely knowledgeable and friendly. She answered all our questions and always responded promptly through text or phone call. As a first time home buyer, she made the process much easier to navigate and helped us get a home perfect for us even without having a down-payment. We would absolutely work with Chelsea again!

Review 8

Allysen J. A.

Milltown, IN, Jul 31, 2026, 3:04 PM

5.0

the Ruoff team always responded promptly and explained the whole process very well to us as first time home buyer . The process went incredibly smooth & I would recommend them to anyone!

Review 9

Brittani Nikol S.

West Terre Haute, IN, Jul 31, 2026, 3:03 PM

5.0

Chelsea was absolutely amazing to work with!!! She is knowlegdable, prompt, and very friendly! I will forever recommend Ruoff and Chelsea Lentes to anyone purchasing a home.

Review 10

Angela M. G.

Shelburn, IN, Jul 28, 2026, 12:12 AM

5.0

Chelsea was always there to answer any question I had along the way! She was very knowledgeable and a pleasure to work with through the whole process! I would definitely recomend her to anyone looking to purchase a house!

Review 11

Christina A B.

Terre Haute, IN, Jul 13, 2026, 3:05 PM

5.0

Chelsea was so easy to work with. She responded quickly to questions and explained everything in a way that was easy to understand . She made refinancing painless and easy.

Review 12

Jennifer L G.

Spencer, IN, Jun 30, 2026, 6:11 PM

5.0

We had a lot of questions throughout the process and Chelsea was always able to walk us through every detail and even take the time to explain it In a different way when one of us was misunderstanding.

Review 13

Steven Ray B.

Rosedale, IN, Jun 28, 2026, 8:24 PM

5.0

Chelsea consistently kept me promptly informed, ensuring they're were no surprises!

Review 7

Rachel B.

Terre Haute, IN, Aug 5, 2026, 3:49 PM

5.0

Chelsea was extremely knowledgeable and friendly. She answered all our questions and always responded promptly through text or phone call. As a first time home buyer, she made the process much easier to navigate and helped us get a home perfect for us even without having a down-payment. We would absolutely work with Chelsea again!

Review 8

Allysen J. A.

Milltown, IN, Jul 31, 2026, 3:04 PM

5.0

the Ruoff team always responded promptly and explained the whole process very well to us as first time home buyer . The process went incredibly smooth & I would recommend them to anyone!

Review 9

Brittani Nikol S.

West Terre Haute, IN, Jul 31, 2026, 3:03 PM

5.0

Chelsea was absolutely amazing to work with!!! She is knowlegdable, prompt, and very friendly! I will forever recommend Ruoff and Chelsea Lentes to anyone purchasing a home.

Review 10

Angela M. G.

Shelburn, IN, Jul 28, 2026, 12:12 AM

5.0

Chelsea was always there to answer any question I had along the way! She was very knowledgeable and a pleasure to work with through the whole process! I would definitely recomend her to anyone looking to purchase a house!

Review 11

Christina A B.

Terre Haute, IN, Jul 13, 2026, 3:05 PM

5.0

Chelsea was so easy to work with. She responded quickly to questions and explained everything in a way that was easy to understand . She made refinancing painless and easy.

Review 12

Jennifer L G.

Spencer, IN, Jun 30, 2026, 6:11 PM

5.0

We had a lot of questions throughout the process and Chelsea was always able to walk us through every detail and even take the time to explain it In a different way when one of us was misunderstanding.

Review 13

Steven Ray B.

Rosedale, IN, Jun 28, 2026, 8:24 PM

5.0

Chelsea consistently kept me promptly informed, ensuring they're were no surprises!

Chelsea Lentes

A Bit About Me

Hi, I'm Chelsea Lentes, a Senior Loan Officer with Ruoff Mortgage helping homebuyers throughout Terre Haute, the Wabash Valley, Indiana and Illinois.

With nearly 11 years in the mortgage industry, I bring experience from both the lending and processing sides of the business. I specialize in helping first-time and repeat homebuyers with Conventional, FHA, VA and USDA loans, down payment assistance, manufactured home financing and refinancing.

My approach is education first, honest numbers and clear communication. You don't need to know everything about mortgages before you call me—that's quite literally my job. Whether you're ready to buy or just figuring out where to start, I'm happy to meet you there.

My happy place involves sunshine and water. Pool days, beach days—I’m not picky as long as it’s warm.

Mortgage lending has been my world for 10+ years. I spent years behind the scenes in processing before becoming a Loan Officer, so I know the mortgage process from more than one angle.

I’m a reader when life allows it. Give me a good book, a quiet spot, and a cup of coffee and I’m perfectly content.

I come from a fifth-generation farming family. My roots run deep in West Central Indiana, and growing up around farming definitely taught me the value of hard work.

You’ll probably find me on a ball field, golf course, or at a community event when I’m not doing mortgages. I coach youth softball and love supporting local organizations,.

I’m a mom of two! Emma keeps me busy with school, sports, and all things creative, while Tommy is happiest anywhere there’s a tractor or piece of farm equipment nearby.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Illinois, Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******†††‡Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.