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Adam Garman, photo from Ruoff Mortgage

Adam Garman

SVP | Retail Production Manager at Ruoff Mortgage

NMLS ID 124792 (opens in a new tab) · verify at NMLS Consumer Access

Adam Garman (NMLS 124792) is SVP | Retail Production Manager at Ruoff Mortgage. Licensed in Florida, confirmed with the state regulator (license LO41131). Also lists Illinois, Indiana, Kentucky, Michigan and Ohio on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Down payment assistance. Licensed since 2017 (per Florida records). States 22 years of experience.

Last verified . Sources: Ruoff Mortgage (ruoff.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

Where we saw these: ruoff.com (opens in a new tab)

Evidence levels, strongest first: production data, lender page, self-reported.

Languages

Not listed

Licensed states

AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

Florida, Illinois, Indiana, Kentucky, Michigan, Ohio

✓ Confirmed with the state regulator: FL (opens in a new tab) (LO41131, since 2017), verified 2026-10-09.

Lender-reported: IL, IN, KY, MI, OH are listed on the lender page, not yet checked with the state regulator.

Contact

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View profile at Ruoff Mortgage (opens in a new tab)

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Employment history

  1. Ruoff Mortgage NMLS 141868

    Current · seen on lender site 2026-10-09

Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

About

With 22 years in mortgages since 2004, Adam has helped first-time buyers, investors, and refinancing clients with clear communication and long-term advisor relationships.

Our summary of the lender page. Verified 2026-10-09.

Role
Still originates loans while leading a team of 250 loan officers across four states
Source (opens in a new tab), verified 2026-10-09
Credentials
6x President's Club Winner
Source (opens in a new tab), verified 2026-10-09

Sources

Name and employerlender site · ruoff.com (opens in a new tab)verified 2026-10-09
Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
Licensed stateslender site · ruoff.com (opens in a new tab)verified 2026-10-09
Specialtieslender site · ruoff.com (opens in a new tab)verified 2026-10-09
Summarylender site · ruoff.com (opens in a new tab)verified 2026-10-09
Contactlender site · ruoff.com (opens in a new tab)verified 2026-10-09
Photolender site · ruoff.com (opens in a new tab)verified 2026-10-09
License statusNMLS Consumer Access (opens in a new tab)check live

Also available as Markdown, JSON, or via the API.

Cite as: Adam Garman (NMLS 124792), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/adam-garman-124792, last verified 2026-10-09.

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