---
canonical_url: https://lendb.ai/lo/kim-arnos-236048
json_url: https://lendb.ai/lo/kim-arnos-236048.json
nmls_id: 236048
last_verified: 2026-10-09
---

# Kim Arnos

Senior Loan Officer at Ruoff Mortgage. NMLS ID 236048 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/236048)).

**Summary:** Kim Arnos (NMLS 236048) is Senior Loan Officer at Ruoff Mortgage. Lists Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, FHA loan, USDA loan and VA loan. 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.ruoff.com/KimArnos, verified 2026-10-09)
- Licensed in: Indiana (IN, 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

- **Construction loan** (`construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/KimArnos
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/KimArnos
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/KimArnos
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/KimArnos

## About

Kim has nearly 20 years in mortgages specializing in FHA, VA, USDA, conventional, and construction loans. They work on referrals and focus on client education and satisfaction.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.ruoff.com/KimArnos, verified 2026-10-09.
- credential: President's Club 9x Winner. Source: https://www.ruoff.com/KimArnos, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/KimArnos, 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/236048

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/KimArnos
- Office phone on file: shown at https://lendb.ai/lo/kim-arnos-236048#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/236048
- lender_site: https://www.ruoff.com/KimArnos

Cite as: Kim Arnos (NMLS 236048), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/kim-arnos-236048, last verified 2026-10-09.

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