---
canonical_url: https://lendb.ai/lo/heather-bozarth-427579
json_url: https://lendb.ai/lo/heather-bozarth-427579.json
nmls_id: 427579
last_verified: 2026-10-09
---

# Heather Bozarth

Senior Loan Officer at Ruoff Mortgage, Bloomington, IN. NMLS ID 427579 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/427579)).

**Summary:** Heather Bozarth (NMLS 427579) is Senior Loan Officer at Ruoff Mortgage, based in Bloomington, IN. Licensed in Florida, confirmed with the state regulator (license LO72885). Also lists Indiana and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Earliest state license record: August 11, 2020 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 11, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Indiana (IN, lender_reported), Tennessee (TN, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/HeatherBozarth

## About

Heather has 16+ years of finance and mortgage lending experience. She helps first-time buyers, move-up buyers, investors, and VA buyers, and serves Bloomington, Monroe County, Southern Indiana, Florida, and Tennessee.

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

## Facts from the lender page and intro

- years_experience: 16+. Source: https://www.ruoff.com/HeatherBozarth, verified 2026-10-09.
- role: private banker. Source: https://www.ruoff.com/HeatherBozarth, verified 2026-10-09.
- service_area: Bloomington, Monroe County, Southern Indiana, Florida, Tennessee. Source: https://www.ruoff.com/HeatherBozarth, verified 2026-10-09.
- credential: 3x President's Club Winner. Source: https://www.ruoff.com/HeatherBozarth, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO72885 | active | confirmed | 2020-08-11 | state_regulator | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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/HeatherBozarth, 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/427579

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/HeatherBozarth
- Office phone on file: shown at https://lendb.ai/lo/heather-bozarth-427579#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/427579
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/HeatherBozarth

Cite as: Heather Bozarth (NMLS 427579), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/heather-bozarth-427579, last verified 2026-10-09.

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