---
canonical_url: https://lendb.ai/lo/samantha-bayless-460970
json_url: https://lendb.ai/lo/samantha-bayless-460970.json
nmls_id: 460970
last_verified: 2026-10-09
---

# Samantha Bayless

Sales Support Manager | Senior Loan Officer at Ruoff Mortgage. NMLS ID 460970 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460970)).

**Summary:** Samantha Bayless (NMLS 460970) is Sales Support Manager | Senior Loan Officer at Ruoff Mortgage. Lists Illinois, Indiana and Kentucky on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: USDA loan, Low credit score, FHA loan and New construction. Earliest state license record: November 28, 2017 (Florida), per state regulator. States 19 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 28, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 19 (source: https://www.ruoff.com/SamanthaBayless, verified 2026-10-09)
- Licensed in: Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, 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

- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/SamanthaBayless
- **Low credit score** (`low-credit`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.ruoff.com/SamanthaBayless
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/SamanthaBayless
- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/SamanthaBayless

## About

Samantha has 19 years of mortgage lending experience and lifelong connections to farming and 4-H. She specializes in USDA loans and enjoys helping borrowers with credit challenges find solutions.

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/SamanthaBayless, verified 2026-10-09.
- education: Purdue graduate with a degree in Animal Sciences. Source: https://www.ruoff.com/SamanthaBayless, verified 2026-10-09.
- role: Sales Support Manager and Senior Loan Officer. Source: https://www.ruoff.com/SamanthaBayless, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO48692 | expired | confirmed | 2017-11-28 | state_regulator | 2026-10-09 |
| IL | 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 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/SamanthaBayless, 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/460970

## Contact

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

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460970
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/SamanthaBayless

Cite as: Samantha Bayless (NMLS 460970), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/samantha-bayless-460970, last verified 2026-10-09.

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