Carlos Ruiz
Mortgage Loan Officer at Loan Factory
NMLS ID 389289 (opens in a new tab) · verify at NMLS Consumer Access
Carlos Ruiz (NMLS 389289) is Mortgage Loan Officer at Loan Factory. Lists Colorado on the lender page (not yet checked with the state regulator). Speaks English and Spanish. Licensed since 2022 (per Florida records). States 30 years of experience.
Last verified . Sources: Loan Factory (loanfactory.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 30 years experience (stated)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- English
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Lender-reported: CO is listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
No public business contact on file.
We never see who you contact.
Employment history
Loan Factory NMLS 320841
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
Carlos brings over 30 years of Colorado real estate and mortgage lending experience. Fluent in Spanish, he serves diverse clientele including first-time buyers, investors, and relocating professionals with personalized guidance.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- dual expertise in real estate and financing
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · loanfactory.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 states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Carlos Ruiz (NMLS 389289), Loan Factory. LenDb.ai, https://lendb.ai/lo/carlos-ruiz-389289, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.