Ruoff Mortgage Logo
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Mickie Lucas

Loan Officer

NMLS: 890736

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio
Mickie
Apply Now Call Mickie

99.57%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Laura A B.

Indianapolis, IN, Apr 6, 2026, 5:55 PM

5.0

Home sweet home! I can’t say enough about how incredible my mortgage loan officer was throughout this entire process. From start to finish, Mickie made everything feel seamless, supported, and far less stressful than I expected. So grateful to have had her in my corner every step of the way. I truly appreciate everything she did for me! 💛

Review 2

Dorian Anthony H.

North Salem, IN, Mar 27, 2026, 4:16 PM

5.0

Mickie was always on it with all of the questions we had about our loan process. Made it very quick and easy to complete all of the tasks needed to complete the process.

Review 3

Hunter R. B.

Avon, IN, Mar 18, 2026, 4:16 PM

5.0

Mickie deserves a raise by how fantastic she is. She was very quick to respond and was able to answer all of my questions as they came up. She easily made our first time home buying experience exciting and informative.

Review 4

Hanna D. B.

Avon, IN, Mar 17, 2026, 3:11 PM

5.0

Mickie was wonderful to work with from the very beginning. Being a first-time home buyer can be very stressful and filled with a lot of unknowns and questions, but Mickie made the process so much easier and less daunting. She was always very friendly and willing to answer any and all questions that we had.

Review 5

Terry R S.

Coatesville, IN, Feb 15, 2026, 2:07 AM

5.0

Mickie was great! She was always prompt to respond to any questions we had and helped make the whole experience awesome!

Review 6

Jonathon R T.

Brownsburg, IN, Dec 25, 2025, 4:33 PM

5.0

The whole process before starting seemed impossible with a million steps that would never stop flowing. Thanks to Mickie and everyone who assisted me at ruoff, they made what seemed impossible possible. I am forever grateful!!! Merry Christmas🎄

Review 1

Laura A B.

Indianapolis, IN, Apr 6, 2026, 5:55 PM

5.0

Home sweet home! I can’t say enough about how incredible my mortgage loan officer was throughout this entire process. From start to finish, Mickie made everything feel seamless, supported, and far less stressful than I expected. So grateful to have had her in my corner every step of the way. I truly appreciate everything she did for me! 💛

Review 2

Dorian Anthony H.

North Salem, IN, Mar 27, 2026, 4:16 PM

5.0

Mickie was always on it with all of the questions we had about our loan process. Made it very quick and easy to complete all of the tasks needed to complete the process.

Review 3

Hunter R. B.

Avon, IN, Mar 18, 2026, 4:16 PM

5.0

Mickie deserves a raise by how fantastic she is. She was very quick to respond and was able to answer all of my questions as they came up. She easily made our first time home buying experience exciting and informative.

Review 4

Hanna D. B.

Avon, IN, Mar 17, 2026, 3:11 PM

5.0

Mickie was wonderful to work with from the very beginning. Being a first-time home buyer can be very stressful and filled with a lot of unknowns and questions, but Mickie made the process so much easier and less daunting. She was always very friendly and willing to answer any and all questions that we had.

Review 5

Terry R S.

Coatesville, IN, Feb 15, 2026, 2:07 AM

5.0

Mickie was great! She was always prompt to respond to any questions we had and helped make the whole experience awesome!

Review 6

Jonathon R T.

Brownsburg, IN, Dec 25, 2025, 4:33 PM

5.0

The whole process before starting seemed impossible with a million steps that would never stop flowing. Thanks to Mickie and everyone who assisted me at ruoff, they made what seemed impossible possible. I am forever grateful!!! Merry Christmas🎄

Review 7

Brent W B.

DANVILLE, IN, Dec 19, 2025, 4:19 PM

5.0

Mickie was on top of everything and got the process moving and closed in a very prompt manner. We always knew where we were in the process and what else was needed.

Review 8

Amy D.

Clayton, IN, Dec 12, 2025, 2:53 PM

5.0

Mickie Lucas made it excellent!! She was so fabulous to work with and made the process so smooth !!! The online tools Ruoff provides are very helpful to see the progress of each step. But big big kudos to Mickie Lucas!!!!

Review 9

Christie L C.

Plainfield, IN, Aug 31, 2025, 7:56 PM

5.0

Our loan officer was always available and made the process easy

Review 10

Elise P.

Pittsboro, IN, Dec 20, 2024, 4:21 PM

5.0

Super fast communication

Review 11

Alyssa H.

Danville, IN, Nov 25, 2024, 10:28 PM

5.0

Up to date and easy to contact

Review 12

Craig A B.

Pittsboro, IN, Nov 5, 2024, 7:05 PM

5.0

Everything was explained very well and every step was done in a timely fashion. No issues at all.

Review 13

Thomas T.

Westfield, IN, Sep 9, 2024, 4:07 PM

5.0

Loan butler is great and Mickie had everything handled for us!

Review 7

Brent W B.

DANVILLE, IN, Dec 19, 2025, 4:19 PM

5.0

Mickie was on top of everything and got the process moving and closed in a very prompt manner. We always knew where we were in the process and what else was needed.

Review 8

Amy D.

Clayton, IN, Dec 12, 2025, 2:53 PM

5.0

Mickie Lucas made it excellent!! She was so fabulous to work with and made the process so smooth !!! The online tools Ruoff provides are very helpful to see the progress of each step. But big big kudos to Mickie Lucas!!!!

Review 9

Christie L C.

Plainfield, IN, Aug 31, 2025, 7:56 PM

5.0

Our loan officer was always available and made the process easy

Review 10

Elise P.

Pittsboro, IN, Dec 20, 2024, 4:21 PM

5.0

Super fast communication

Review 11

Alyssa H.

Danville, IN, Nov 25, 2024, 10:28 PM

5.0

Up to date and easy to contact

Review 12

Craig A B.

Pittsboro, IN, Nov 5, 2024, 7:05 PM

5.0

Everything was explained very well and every step was done in a timely fashion. No issues at all.

Review 13

Thomas T.

Westfield, IN, Sep 9, 2024, 4:07 PM

5.0

Loan butler is great and Mickie had everything handled for us!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Mickie Lucas

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

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.

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.*

Let's Talk

Proudly serving Indiana

Mickie Lucas

Loan Officer

NMLS: 890736

317.508.6405mickie.lucas@ruoff.com

Branch Address:

9100 Keystone Crossing, Indianapolis, IN 46240

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

Company

Privacy / SecurityLicensesNMLS Consumer Access
Ruoff Mortgage Logo White

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.