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Kelsey Dunbar

Loan Officer

NMLS: 543514

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

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Kelsey

100%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Casey R. U.

Lafayette, IN, Jun 30, 2023, 4:14 PM

Kelsey is amazing and was always there to answer my questions.

Christopher J W.

Wabash, IN, Oct 29, 2024, 3:06 PM

Kelsey did an amazing job closing our loan. We were informed throughout the process with no surpises. Quick and painless closing! Look forward to working together again in the future.

vroomank

Wabash, IN, Oct 29, 2024, 3:24 PM

Helpful and great communication

Gary S M.

Lafayette, IN, Dec 29, 2024, 9:13 PM

Kelsey was great to work with. Very knowledgeable and quick to respond to questions

Logan S.

Rockville, IN, Jan 17, 2025, 1:06 AM

This is the second time we have went to Kelsey when we have bought a house. Everytime she has made the process easy and seamless. She is very pleasant to work with and always gives great advice to new home buyers.

Ashley B.

Lafayette, IN, May 9, 2025, 3:09 PM

Kelsey went above and beyond to to get things done in a quick and effective manner! When we hit some road blocks she was right on making sure she got everything back ok track! I could not have asked for a better home buying experience!

Casey R. U.

Lafayette, IN, Jun 30, 2023, 4:14 PM

Kelsey is amazing and was always there to answer my questions.

Christopher J W.

Wabash, IN, Oct 29, 2024, 3:06 PM

Kelsey did an amazing job closing our loan. We were informed throughout the process with no surpises. Quick and painless closing! Look forward to working together again in the future.

vroomank

Wabash, IN, Oct 29, 2024, 3:24 PM

Helpful and great communication

Gary S M.

Lafayette, IN, Dec 29, 2024, 9:13 PM

Kelsey was great to work with. Very knowledgeable and quick to respond to questions

Logan S.

Rockville, IN, Jan 17, 2025, 1:06 AM

This is the second time we have went to Kelsey when we have bought a house. Everytime she has made the process easy and seamless. She is very pleasant to work with and always gives great advice to new home buyers.

Ashley B.

Lafayette, IN, May 9, 2025, 3:09 PM

Kelsey went above and beyond to to get things done in a quick and effective manner! When we hit some road blocks she was right on making sure she got everything back ok track! I could not have asked for a better home buying experience!

Haley N R.

Kokomo, IN, May 27, 2025, 5:00 PM

Kelsey was fantastic and did an amazing job explaining the whole process to us. She was incredibly reliable and made everything less stressful.

Nathaniel J R.

Kokomo, IN, May 28, 2025, 2:53 PM

Kelsey was extremely helpful throughout the whole process. Couldn't have done it without her!

Albert F B.

Logansport, IN, Jun 3, 2025, 3:16 PM

Perfect lines of communication letting me know when I had documentations to sign or if needed something .

Miranda C C.

Lafayette, IN, Jun 8, 2025, 11:47 PM

Communciation was great . Kelsey answered all of questions clearly so we understood & was quick

David M.

Lafayette, IN, Jun 14, 2025, 9:05 AM

Communication

Holly N B.

Lafayette, IN, Jun 24, 2025, 9:00 PM

The communication alone was wonderful. No matter how many questions I asked , or if I asked the same question , they were always answered in depth and detail with a positive attitude!

Felix Amilcar E.

Merrillville, IN, May 1, 2026, 3:07 PM

Kelsey was awesome!! Great communication skills and super friendly! She was very knowledgeable and helped me so nicely every step of the way. I would definitely recommend and definitely work with her again!

Haley N R.

Kokomo, IN, May 27, 2025, 5:00 PM

Kelsey was fantastic and did an amazing job explaining the whole process to us. She was incredibly reliable and made everything less stressful.

Nathaniel J R.

Kokomo, IN, May 28, 2025, 2:53 PM

Kelsey was extremely helpful throughout the whole process. Couldn't have done it without her!

Albert F B.

Logansport, IN, Jun 3, 2025, 3:16 PM

Perfect lines of communication letting me know when I had documentations to sign or if needed something .

Miranda C C.

Lafayette, IN, Jun 8, 2025, 11:47 PM

Communciation was great . Kelsey answered all of questions clearly so we understood & was quick

David M.

Lafayette, IN, Jun 14, 2025, 9:05 AM

Communication

Holly N B.

Lafayette, IN, Jun 24, 2025, 9:00 PM

The communication alone was wonderful. No matter how many questions I asked , or if I asked the same question , they were always answered in depth and detail with a positive attitude!

Felix Amilcar E.

Merrillville, IN, May 1, 2026, 3:07 PM

Kelsey was awesome!! Great communication skills and super friendly! She was very knowledgeable and helped me so nicely every step of the way. I would definitely recommend and definitely work with her again!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Kelsey Dunbar

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

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.*

Proudly serving 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.