---
canonical_url: https://lendb.ai/lo/ryan-stiff-2734650
json_url: https://lendb.ai/lo/ryan-stiff-2734650.json
nmls_id: 2734650
last_verified: 2026-10-15
---

# Ryan Stiff

Loan Officer at Veterans United Home Loans, Columbia, MO. NMLS ID 2734650 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2734650)).

**Summary:** Ryan Stiff (NMLS 2734650) is Loan Officer at Veterans United Home Loans, based in Columbia, MO. Licensed in Florida, confirmed with the state regulator (license LO140327). Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: August 8, 2025 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 8, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

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

- None on file yet.

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Ryan Stiff was raised in Kansas City, studied finance at the University of Missouri and has settled in the Columbia, MO area.

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

## Facts from the lender page and intro

- education: Studied finance at the University of Missouri. Source: https://www.veteransunited.com/lo/ryan-stiff/, verified 2026-10-10.
- service_area: Columbia area. Source: https://www.veteransunited.com/lo/ryan-stiff/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO140327 | active | confirmed | 2025-08-08 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), Columbia, MO. Source: https://www.veteransunited.com/lo/ryan-stiff/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2734650

## Contact

- View profile at Veterans United Home Loans: https://www.veteransunited.com/lo/ryan-stiff/
- Office phone and Email on file: shown at https://lendb.ai/lo/ryan-stiff-2734650#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2734650
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.veteransunited.com/lo/ryan-stiff/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ryan Stiff (NMLS 2734650), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/ryan-stiff-2734650, last verified 2026-10-15.

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