---
canonical_url: https://lendb.ai/lo/carlos-ruiz-389289
json_url: https://lendb.ai/lo/carlos-ruiz-389289.json
nmls_id: 389289
last_verified: 2026-10-09
---

# Carlos Ruiz

Mortgage Loan Officer at Loan Factory. NMLS ID 389289 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/389289)).

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

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289, verified 2026-10-09)
- Licensed in: Colorado (CO, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## 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.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289, verified 2026-10-09.
- credential: dual expertise in real estate and financing. Source: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289, verified 2026-10-09.
- service_area: Colorado. Source: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO113698 | expired | confirmed | 2022-09-28 | state_regulator | 2026-10-09 |
| CO | 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/carlos-ruiz-389289, 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/389289

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/389289
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/carlos-ruiz-389289

Cite as: Carlos Ruiz (NMLS 389289), Loan Factory. LenDb.ai, https://lendb.ai/lo/carlos-ruiz-389289, last verified 2026-10-09.

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