---
canonical_url: https://lendb.ai/lo/dan-smith-2784335
json_url: https://lendb.ai/lo/dan-smith-2784335.json
nmls_id: 2784335
last_verified: 2026-10-09
---

# Dan Smith

Senior Loan Officer at Ruoff Mortgage, Bloomington, IN. NMLS ID 2784335 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2784335)).

**Summary:** Dan Smith (NMLS 2784335) is Senior Loan Officer at Ruoff Mortgage, based in Bloomington, IN. Lists Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, VA loan, New construction and Down payment assistance. States 15 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 15 (source: https://www.ruoff.com/DanSmith, verified 2026-10-09)
- Licensed in: Indiana (IN, 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith
- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.60, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith
- **HELOC** (`heloc`): lender page, confidence 0.60, verified 2026-10-09. Source: https://www.ruoff.com/DanSmith

## About

Dan brings over 15 years of customer-first approach from the automotive industry to mortgage lending. They specialize in conventional, FHA, VA loans, first-time homebuyer financing, and refinancing in Monroe County and across Indiana.

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

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.ruoff.com/DanSmith, verified 2026-10-09.
- service_area: Monroe County and across Indiana. Source: https://www.ruoff.com/DanSmith, verified 2026-10-09.
- community: Founded local BNI Chapter - Crimson Connect in July 2026. Source: https://www.ruoff.com/DanSmith, verified 2026-10-09.
- education: Played baseball at Hanover College. Source: https://www.ruoff.com/DanSmith, verified 2026-10-09.
- credential: The Scotsman Guide's Top Mortgage Lenders recognition. Source: https://www.ruoff.com/DanSmith, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868), Bloomington, IN. Source: https://www.ruoff.com/DanSmith, 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/2784335

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/DanSmith
- Office phone on file: shown at https://lendb.ai/lo/dan-smith-2784335#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2784335
- lender_site: https://www.ruoff.com/DanSmith

Cite as: Dan Smith (NMLS 2784335), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/dan-smith-2784335, last verified 2026-10-09.

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