---
canonical_url: https://lendb.ai/lo/christian-ruiz-2860997
json_url: https://lendb.ai/lo/christian-ruiz-2860997.json
nmls_id: 2860997
last_verified: 2026-10-10
---

# Christian Ruiz

Loan Officer at Lower, Greenville, SC. NMLS ID 2860997 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2860997)).

**Summary:** Christian Ruiz (NMLS 2860997) is Loan Officer at Lower, based in Greenville, SC. Lists Georgia, North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Speaks English and Spanish. States 20 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz, verified 2026-10-10)
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Has 20+ years in real estate, serving homebuyers across South Carolina with a focus on Greenville, Spartanburg and Upstate counties; speaks English and Spanish.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz, verified 2026-10-10.
- service_area: Greenville, Spartanburg, Anderson, Pickens and Laurens counties, SC. Source: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Greenville, SC. Source: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2860997

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz
- Email on file: shown at https://lendb.ai/lo/christian-ruiz-2860997#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2860997
- lender_site: https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Christian Ruiz (NMLS 2860997), Lower. LenDb.ai, https://lendb.ai/lo/christian-ruiz-2860997, last verified 2026-10-10.

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