---
canonical_url: https://lendb.ai/lo/hugo-ruiz-316192
json_url: https://lendb.ai/lo/hugo-ruiz-316192.json
nmls_id: 316192
last_verified: 2026-10-09
---

# Hugo Ruiz

Loan Officer at Intercap Lending, Pleasant Grove, UT. NMLS ID 316192 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/316192)).

**Summary:** Hugo Ruiz (NMLS 316192) is Loan Officer at Intercap Lending, based in Pleasant Grove, UT. Lists Texas and Utah on the lender page (not yet checked with the state regulator). Speaks English and Spanish. States 20 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): 20 (source: https://www.intercaplending.com/loan-officer/hugo-ruiz/, verified 2026-10-09)
- Licensed in: Texas (TX, lender_reported), Utah (UT, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Hugo brings 20 years of lending experience and is fluent in English and Spanish. He serves clients in Utah and Colorado with a focus on clear communication and community involvement.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.intercaplending.com/loan-officer/hugo-ruiz/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Intercap Lending (NMLS 190465), Pleasant Grove, UT. Source: https://www.intercaplending.com/loan-officer/hugo-ruiz/, 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/316192

## Contact

- linkedin_url: https://www.linkedin.com/in/hugo-ruiz-153b33a0/ (source: lender_site, verified 2026-10-09)
- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/hugo-ruiz/
- Email on file: shown at https://lendb.ai/lo/hugo-ruiz-316192#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/316192
- lender_site: https://www.intercaplending.com/loan-officer/hugo-ruiz/

Cite as: Hugo Ruiz (NMLS 316192), Intercap Lending. LenDb.ai, https://lendb.ai/lo/hugo-ruiz-316192, last verified 2026-10-09.

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