---
canonical_url: https://lendb.ai/lo/nicholas-lightfoot-1099024
json_url: https://lendb.ai/lo/nicholas-lightfoot-1099024.json
nmls_id: 1099024
last_verified: 2026-10-09
---

# Nick Lightfoot

Senior Loan Officer at Ruoff Mortgage. NMLS ID 1099024 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1099024)).

**Summary:** Nick Lightfoot (NMLS 1099024) is Senior Loan Officer at Ruoff Mortgage. Licensed in Florida, confirmed with the state regulator (license LO81418). Also lists Indiana on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). States 5 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 5 (source: https://www.ruoff.com/NickLightfoot, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), 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


## About

Nick has been a loan officer for 5 years and is known for reducing anxiety around homebuying. He's an IU Alumni active in the Bloomington community and coaches youth and collegiate hockey.

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

## Facts from the lender page and intro

- years_experience: 5. Source: https://www.ruoff.com/NickLightfoot, verified 2026-10-09.
- community: IU Alumni active in Bloomington community. Source: https://www.ruoff.com/NickLightfoot, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO81418 | active | confirmed | 2021-02-04 | state_regulator | 2026-10-09 |
| 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/NickLightfoot, 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/1099024

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/NickLightfoot

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1099024
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.ruoff.com/NickLightfoot

Cite as: Nick Lightfoot (NMLS 1099024), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/nicholas-lightfoot-1099024, last verified 2026-10-09.

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