---
canonical_url: https://lendb.ai/lo/ruth-bonapace-485432
json_url: https://lendb.ai/lo/ruth-bonapace-485432.json
nmls_id: 485432
last_verified: 2026-10-09
---

# Ruth Bonapace

Mortgage Loan Originator at U.S. Bank, Chatham, NJ. NMLS ID 485432 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485432)).

**Summary:** Ruth Bonapace (NMLS 485432) is Mortgage Loan Originator at U.S. Bank, based in Chatham, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. 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.
- Licensed in: New Jersey (NJ, lender_reported)
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## Facts from the lender page and intro

- credential: Private wealth mortgage banker. Source: https://mortgage.usbank.com/nj/chatham/ruth-bonapace-485432, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Chatham, NJ. Source: https://mortgage.usbank.com/nj/chatham/ruth-bonapace-485432, 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/485432

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/nj/chatham/ruth-bonapace-485432
- Office phone and Email on file: shown at https://lendb.ai/lo/ruth-bonapace-485432#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485432
- lender_site: https://mortgage.usbank.com/nj/chatham/ruth-bonapace-485432

Cite as: Ruth Bonapace (NMLS 485432), U.S. Bank. LenDb.ai, https://lendb.ai/lo/ruth-bonapace-485432, last verified 2026-10-09.

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