---
canonical_url: https://lendb.ai/lo/adam-garman-124792
json_url: https://lendb.ai/lo/adam-garman-124792.json
nmls_id: 124792
last_verified: 2026-10-09
---

# Adam Garman

SVP | Retail Production Manager at Ruoff Mortgage. NMLS ID 124792 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/124792)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 22 (source: https://www.ruoff.com/AdamGarman, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Ohio (OH, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/AdamGarman
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/AdamGarman

## 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.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 22. Source: https://www.ruoff.com/AdamGarman, verified 2026-10-09.
- role: Still originates loans while leading a team of 250 loan officers across four states. Source: https://www.ruoff.com/AdamGarman, verified 2026-10-09.
- credential: 6x President's Club Winner. Source: https://www.ruoff.com/AdamGarman, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO41131 | active | confirmed | 2017-03-14 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/AdamGarman, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/124792

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/AdamGarman
- Office phone on file: shown at https://lendb.ai/lo/adam-garman-124792#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/124792
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/AdamGarman

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

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