---
canonical_url: https://lendb.ai/lo/ryan-miracle-497698
json_url: https://lendb.ai/lo/ryan-miracle-497698.json
nmls_id: 497698
last_verified: 2026-10-09
---

# Ryan Miracle

Loan Officer at Ruoff Mortgage, Columbus, OH. NMLS ID 497698 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/497698)).

**Summary:** Ryan Miracle (NMLS 497698) is Loan Officer at Ruoff Mortgage, based in Columbus, OH. Lists Ohio on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed. Licensed since 2021 (per Florida records). States 19 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): 19 (source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09)
- Licensed in: Ohio (OH, 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

- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/RyanMiracle

## About

Ryan Miracle has 19 years of mortgage experience with 3,700+ closed loans, specializing in complex scenarios including self-employed income and job changes. An Ohio native and co-leader of The Stewards mortgage team, they focus on precision and client education.

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

## Facts from the lender page and intro

- years_experience: 19. Source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09.
- credential: 3,700+ closed loans. Source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09.
- education: Ohio Northern University graduate. Source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09.
- role: co-leads The Stewards, a Columbus-based mortgage team. Source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09.
- credential: Taught continuing education courses for Realtors across Ohio. Source: https://www.ruoff.com/RyanMiracle, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO84647 | expired | confirmed | 2021-03-25 | state_regulator | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868), Columbus, OH. Source: https://www.ruoff.com/RyanMiracle, 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/497698

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/RyanMiracle
- Office phone on file: shown at https://lendb.ai/lo/ryan-miracle-497698#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/497698
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.ruoff.com/RyanMiracle

Cite as: Ryan Miracle (NMLS 497698), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/ryan-miracle-497698, last verified 2026-10-09.

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