---
canonical_url: https://lendb.ai/lo/douglas-carroll-173634
json_url: https://lendb.ai/lo/douglas-carroll-173634.json
nmls_id: 173634
last_verified: 2026-10-09
---

# Doug Carroll

Senior Loan Officer at Ruoff Mortgage. NMLS ID 173634 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173634)).

**Summary:** Doug Carroll (NMLS 173634) is Senior Loan Officer at Ruoff Mortgage. Licensed in 4 states: Florida, Indiana, Michigan and Ohio. Focus areas shown on the lender page: Down payment assistance, FHA loan, Jumbo loan, New construction and Renovation loan (203k / HomeStyle). 9 years licensed. Last verified 2026-10-09.

## At a glance

- Years licensed: 9
- Years experience (stated by the LO): 23 (source: https://www.ruoff.com/DougCarroll, verified 2026-10-09)
- Licensed in: Florida (FL), Indiana (IN), Michigan (MI), Ohio (OH)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/DougCarroll

## About

Doug Carroll has over 23 years of experience and has run the Carroll Team with his wife Julie since 2014. They provide clear explanations and efficient timelines for home purchases and refinances across multiple states.

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

## Facts from the lender page and intro

- years_experience: 23. Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.
- years_experience: since 2003. Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.
- service_area: Florida, Indiana, Michigan, Ohio. Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.
- role: Team lead; runs Carroll Team with wife Julie since 2014. Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.
- credential: Ohio MLO.050196.000. Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO82775 | active | 2021-03-01 | state_regulator | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/DougCarroll, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/DougCarroll

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173634
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/DougCarroll

Cite as: Doug Carroll (NMLS 173634), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/douglas-carroll-173634, last verified 2026-10-09.

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