High Contrast:
Get Started
Picture of Mickie Lucas
Picture of Mickie Lucas

Hi, I'm Mickie!

Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Mickie!

Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Review 1

    Source of Rating Icon

    Mickie was so kind and knowledgeable! The loan butler app was great and convenient. We will absolutely be recommending Ruoff and especially Mickie to others!

    Andrea J.

    COATESVILLE, IN, July 26th, 2024 11:06 AM

  • Review 2

    Source of Rating Icon

    There was a large number of questions from the underwriter that became very frustrating. Mickie did a great job helping me through this process!

    Bryan N M.

    Westfield, IN, June 28th, 2024 11:03 AM

  • Review 3

    Source of Rating Icon

    Mickie is quick to respond, thorough, and knowledgeable. I trust her!

    Shannon L B.

    Pittsboro, IN, June 12th, 2024 06:25 AM

  • Review 4

    Source of Rating Icon

    Easy to work with over the phone and through the online portal. Straight forward process.

    Daniel M.

    Crawfordsville, IN, April 17th, 2024 09:33 AM

  • Review 5

    Source of Rating Icon

    I really appreciate the quick feedback for communication to make this process nice and comfortable. Your staff is extremely knowledgeable and was quick to respond to any questions that I need answer. This was a great experience and I will recommend anybody to speak with Ruoff Mortgage to obtain a mortgage and I’ll definitely refer people that I know who are looking to purchase a new home. Thank you very much for all your help Mike and Karyn

    Michael W.

    Avon, IN, April 15th, 2024 11:06 AM

  • Review 6

    Source of Rating Icon

    Mickie was great to work with and we appreciate her help and expertise!

    Marli E M.

    Pittsboro, IN, March 14th, 2024 01:32 PM

  • Review 7

    Source of Rating Icon

    Mickie was very informative and diligent. She communicated with my husband and I the entire time. We never had to wait for her to respond as she was always prompt! She has a great attitude and is very knowledgeable. It was a pleasure working with her. I had actually started the refinance process with Mickie in June, but I didn’t complete the process due to personal reasons. When I decided to resume the refinance process, I emailed Mickie to ensure she would be my loan officer again! Thank you Mickie & Ruoff for a smooth and enjoyable process!

    Serenity W.

    Indianapolis, IN, October 9th, 2023 01:25 PM

  • Review 8

    Source of Rating Icon

    Mickie was outstanding, she was communicative from the get go and all the way through the end. Made the entire process extremely easy on me. As a first time buyer, she made it so I was in the know and always understanding of what was happening.

    William P M.

    DANVILLE, IN, September 1st, 2023 12:25 PM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at 317.508.6405 or message me below!

Download our !