---
canonical_url: https://lendb.ai/lo/francis-x-ruzicka-232598
json_url: https://lendb.ai/lo/francis-x-ruzicka-232598.json
nmls_id: 232598
last_verified: 2026-10-09
---

# Francis X Ruzicka

Senior Loan Officer at Guild Mortgage, Chesterfield, MO. NMLS ID 232598 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/232598)).

**Summary:** Francis X Ruzicka (NMLS 232598) is Senior Loan Officer at Guild Mortgage, based in Chesterfield, MO. Licensed in 8 states: Arkansas, Illinois, Indiana, Kansas, Missouri, Ohio, Oklahoma and Tennessee. Focus areas shown on the lender page: Construction loan, Down payment assistance, Reverse mortgage, Real estate investor and Vacation home. Last verified 2026-10-09.

## At a glance

- Years licensed: unknown
- Licensed in: Arkansas (AR), Illinois (IL), Indiana (IN), Kansas (KS), Missouri (MO), Ohio (OH), Oklahoma (OK), Tennessee (TN)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- **Real estate investor** (`investor`): lender page, confidence 0.60, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- **Vacation home** (`vacation-home`): lender page, confidence 0.60, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.50, verified 2026-10-09. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html

## About

Frank Ruzicka is a 35+ year veteran of mortgage lending, licensed in MO, IL, KS, TN, OH, and IN. He specializes in diverse loan products including no-cost refinances, first-time home purchases, investment and vacation properties, and construction lending.

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

## Facts from the lender page and intro

- years_experience: 35+. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html, verified 2026-10-09.
- service_area: multi-state: Arkansas, Illinois, Indiana, Kansas, Missouri, Ohio, Oklahoma, Tennessee. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| AR | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| MO | 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 |
| OK | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Chesterfield, MO. Source: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html, 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 Guild Mortgage: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html
- Office phone and Email on file: shown at https://lendb.ai/lo/francis-x-ruzicka-232598#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/232598
- lender_site: https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html

Cite as: Francis X Ruzicka (NMLS 232598), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/francis-x-ruzicka-232598, last verified 2026-10-09.

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