Luis Ruiz
Executive Loan Officer at INDEPENDENCE HOME LOANS LLC
NMLS ID 1997893 (opens in a new tab) · verify at NMLS Consumer Access
Luis Ruiz (NMLS 1997893) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Oregon since 2024 and in Florida, Connecticut and California. Luis's own profile lists first-time buyer as a focus.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Connecticut state regulator, Oregon state regulator, California state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 30, 2024 (Oregon), per state regulator
- 6 years experience (stated)
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Luis licensed in Florida?
- Yes. Florida regulator records list license LO134282 as active, first effective January 2, 2025 (verified 2026-10-15). LenDb has 3 other states on file for Luis.
- Source: Florida state regulator (opens in a new tab)
- Does Luis list first-time buyer as a focus?
- Luis's profile lists first-time buyer as a focus (from their lender profile page).
- Source: lender page (opens in a new tab)
- What lender does Luis work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Luis been licensed?
- The earliest state license record LenDb holds for Luis is from December 30, 2024 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Luis states 6 years of experience.
- Source: Oregon state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: independencehl.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Connecticut, Oregon, California
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134282, first effective 2025-01-02), CT (opens in a new tab) (LO-1997893), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI1997893, first effective 2025-01-15), verified 2026-10-15.
Contact
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Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · dfpi.ca.gov (opens in a new tab) | verified 2026-10-24 |
| Specialties | lender site · independencehl.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Luis Ruiz (NMLS 1997893), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/luis-ruiz-1997893, last verified 2026-10-24.
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