--- canonical_url: https://lendb.ai/lo/sara-ruffer-755976 json_url: https://lendb.ai/lo/sara-ruffer-755976.json nmls_id: 755976 last_verified: 2026-10-09 --- # Sara Ruffer Senior Loan Officer at Atlantic Coast Mortgage. NMLS ID 755976 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/755976)). **Summary:** Sara Ruffer (NMLS 755976) is Senior Loan Officer at Atlantic Coast Mortgage. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Alabama, Arkansas, Arizona, California, Georgia, Iowa, Idaho, Illinois and 17 more on the lender page (not yet checked with the state regulator). Earliest state license record: May 8, 2020 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: May 8, 2020 (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), Colorado (CO, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Nebraska (NE, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, 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 ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO69925 | active | confirmed | 2020-05-08 | state_regulator | 2026-10-09 | | CO | state_license | 100526184 | active | confirmed | 2021-08-02 | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 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 | | KS | 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 | | LA | 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 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | 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 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | 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 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Atlantic Coast Mortgage (NMLS 643114). Source: https://www.atlanticcoastmortgage.com/lo/sara-ruffer/, 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/755976 ## Contact - View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/sara-ruffer/ ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/755976 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=268488&contact=491081 - lender_site: https://www.atlanticcoastmortgage.com/lo/sara-ruffer/ Cite as: Sara Ruffer (NMLS 755976), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/sara-ruffer-755976, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._