---
canonical_url: https://lendb.ai/lo/joel-koziol-1539247
json_url: https://lendb.ai/lo/joel-koziol-1539247.json
nmls_id: 1539247
last_verified: 2026-10-09
---

# Joel Koziol

Senior Loan Officer at Ruoff Mortgage, MI. NMLS ID 1539247 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1539247)).

**Summary:** Joel Koziol (NMLS 1539247) is Senior Loan Officer at Ruoff Mortgage, based in Michigan. Lists Michigan on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 10 (source: https://www.ruoff.com/JoelKoziol, verified 2026-10-09)
- Licensed in: Michigan (MI, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/JoelKoziol

## About

Joel has 10 years of experience helping first-time and move-up homebuyers in West Michigan and the Lakeshore. He specializes in clear communication about FHA, conventional, and bank statement loans.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.ruoff.com/JoelKoziol, verified 2026-10-09.
- service_area: West Michigan and the Lakeshore. Source: https://www.ruoff.com/JoelKoziol, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868), MI. Source: https://www.ruoff.com/JoelKoziol, 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/1539247

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/JoelKoziol
- Office phone on file: shown at https://lendb.ai/lo/joel-koziol-1539247#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1539247
- lender_site: https://www.ruoff.com/JoelKoziol

Cite as: Joel Koziol (NMLS 1539247), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/joel-koziol-1539247, last verified 2026-10-09.

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