---
canonical_url: https://lendb.ai/lo/luis-ruiz-1997893
json_url: https://lendb.ai/lo/luis-ruiz-1997893.json
nmls_id: 1997893
last_verified: 2026-10-24
---

# Luis Ruiz

Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 1997893 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997893)).

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.

**Summary:** Luis Ruiz (NMLS 1997893) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 4 states confirmed with state regulators: Florida, Connecticut, Oregon and California. Focus areas shown on the lender page: First-time buyer. Earliest state license record: December 30, 2024 (Oregon), per state regulator. States 6 years of experience. Last verified 2026-10-24.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### 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: https://independencehl.com/luis-ruiz/.

### What lender does Luis work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/luis-ruiz/.

### 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: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: December 30, 2024 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 6 (source: https://independencehl.com/luis-ruiz/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): Luis A. Ruiz (CA, CT, FL, OR, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Connecticut (CT, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

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

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://independencehl.com/luis-ruiz/

## Facts from the lender page and intro

- years_experience: 6. Source: https://independencehl.com/luis-ruiz/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO134282 | active | confirmed | 2025-01-02 | state_regulator | 2026-10-15 |
| CT | Connecticut regulator | state_license | LO-1997893 | active | confirmed |  | state_regulator | 2026-10-15 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-12-30 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1997893 | active | confirmed | 2025-01-15 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/luis-ruiz/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997893

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/luis-ruiz/
- Office phone and Email on file: shown at https://lendb.ai/lo/luis-ruiz-1997893#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997893
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/
- lender_site: https://independencehl.com/luis-ruiz/

Cite as: Luis Ruiz (NMLS 1997893), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/luis-ruiz-1997893, last verified 2026-10-24.

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