---
canonical_url: https://lendb.ai/lo/kyle-rutkoski-1450360
json_url: https://lendb.ai/lo/kyle-rutkoski-1450360.json
nmls_id: 1450360
last_verified: 2026-10-13
---

# Kyle Rutkoski

Senior Loan Officer at Veterans United Home Loans, San Antonio, TX. NMLS ID 1450360 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1450360)).

**Summary:** Kyle Rutkoski (NMLS 1450360) is Senior Loan Officer at Veterans United Home Loans, based in San Antonio, TX. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: VA loan. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan (a lender program, not confirmed as their own focus). Earliest state license record: February 26, 2016 (Texas), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: February 26, 2016 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-10. Source: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Kyle has been a loan originator since 2016 and serves the San Antonio area, with a focus on helping veterans and active-duty military understand their VA home loan benefits.

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

## Facts from the lender page and intro

- years_experience: since 2016. Source: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/, verified 2026-10-10.
- service_area: San Antonio, TX. Source: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO34934 | inactive | confirmed | 2016-04-25 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2016-02-26 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), San Antonio, TX. Source: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1450360

## Contact

- View profile at Veterans United Home Loans: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/
- Office phone and Email on file: shown at https://lendb.ai/lo/kyle-rutkoski-1450360#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1450360
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://sanantonio.veteransunited.com/lo/kyle-rutkoski/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Kyle Rutkoski (NMLS 1450360), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/kyle-rutkoski-1450360, last verified 2026-10-13.

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