Joel Koziol
Senior Loan Officer at Ruoff Mortgage · Michigan
NMLS ID 1539247 (opens in a new tab) · verify at NMLS Consumer Access
Joel Koziol (NMLS 1539247) is Senior Loan Officer at Ruoff Mortgage, based in Michigan. Licensed in Michigan. Focus areas shown on the lender page: First-time buyer, FHA loan and Bank statement loan. States 10 years of experience.
Last verified . Sources: Ruoff Mortgage (ruoff.com) and NMLS Consumer Access (license status, check live).
- 10 years experience
- 1 state
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: ruoff.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
As listed on the lender page (MI), not yet checked against state regulators.
Contact
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Employment history
Ruoff Mortgage NMLS 141868
Current · MI · seen on lender site 2026-10-09
Disciplinary actions
None on record
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About
Joel has spent 10 years helping first-time and move-up homebuyers in West Michigan and the Lakeshore secure financing. He specializes in FHA, conventional, and bank statement loans, with a focus on clear communication and building relationships with realtors.
Our summary of the lender page. Verified 2026-10-09.
Reviews
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Sources
| Name and employer | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Joel Koziol (NMLS 1539247), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/joel-koziol-1539247, last verified 2026-10-09.
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