---
canonical_url: https://lendb.ai/lo/antoine-ruiz-1998764
json_url: https://lendb.ai/lo/antoine-ruiz-1998764.json
nmls_id: 1998764
last_verified: 2026-10-09
---

# Tony Ruiz

Mortgage Loan Officer at Loan Factory. NMLS ID 1998764 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1998764)).

**Summary:** Tony Ruiz (NMLS 1998764) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO89828). Also lists Georgia and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: June 18, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 18, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Texas (TX, 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.loanfactory.com/mortgage-expert/tony-ruiz-1998764

## About

Passionate about guiding clients through major life milestones. Especially works with first-time homebuyers to make the mortgage process simple and stress-free.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO89828 | active | confirmed | 2021-06-18 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/tony-ruiz-1998764, 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/1998764

## Contact

- linkedin_url: https://www.linkedin.com/in/tony-ruiz-a21052178/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/tony-ruiz-1998764

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1998764
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/tony-ruiz-1998764

Cite as: Tony Ruiz (NMLS 1998764), Loan Factory. LenDb.ai, https://lendb.ai/lo/antoine-ruiz-1998764, last verified 2026-10-09.

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