---
canonical_url: https://lendb.ai/lo/sally-smith-1151295
json_url: https://lendb.ai/lo/sally-smith-1151295.json
nmls_id: 1151295
last_verified: 2026-10-09
---

# Sally Smith

Loan Officer at Ruoff Mortgage. NMLS ID 1151295 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1151295)).

**Summary:** Sally Smith (NMLS 1151295) is Loan Officer at Ruoff Mortgage. Licensed in Florida, confirmed with the state regulator (license LO124746). Also lists Georgia, Indiana, Kentucky, Michigan, Ohio and Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, 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


## Facts from the lender page and intro

- credential: GA NMLS 1151295, KY license MC829601, OH license MLO.056815.000. Source: https://www.ruoff.com/SallySmith, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO124746 | active | confirmed | 2023-12-11 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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/SallySmith, 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/1151295

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/SallySmith
- Office phone on file: shown at https://lendb.ai/lo/sally-smith-1151295#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1151295
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.ruoff.com/SallySmith

Cite as: Sally Smith (NMLS 1151295), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/sally-smith-1151295, last verified 2026-10-09.

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