---
canonical_url: https://lendb.ai/lo/scott-b-gruber-466924
json_url: https://lendb.ai/lo/scott-b-gruber-466924.json
nmls_id: 466924
last_verified: 2026-10-16
---

# Scott B. Gruber

VP, Mortgage Loan Officer II at First Mid Bank & Trust, Edwardsville, IL. NMLS ID 466924 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/466924)).

Scott B. Gruber (NMLS 466924) is a mortgage loan officer at First Mid Bank & Trust in Edwardsville, Illinois. Scott's own profile lists first-time buyer as a focus.

**Summary:** Scott B. Gruber (NMLS 466924) is VP, Mortgage Loan Officer II at First Mid Bank & Trust, based in Edwardsville, IL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-16.

## Quick answers

### Is Scott licensed?

Scott works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### Does Scott list first-time buyer as a focus?

Scott's profile lists first-time buyer as a focus (from their lender profile page). Source: https://www.firstmid.com/staff/scott-b-gruber.

### What lender does Scott work for?

First Mid Bank & Trust, company NMLS 411170, from the Edwardsville, IL office, per the lender's own site (verified 2026-10-16). Source: https://www.firstmid.com/staff/scott-b-gruber.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

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

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.firstmid.com/staff/scott-b-gruber

## Facts from the lender page and intro

- years_experience: since 1991. Source: https://www.firstmid.com/staff/scott-b-gruber, verified 2026-10-16.
- years_experience: since 1998. Source: https://www.firstmid.com/staff/scott-b-gruber, verified 2026-10-16.
- service_area: Metro East and St. Louis areas. Source: https://www.firstmid.com/staff/scott-b-gruber, verified 2026-10-16.
- other: began career as a loan processor/closer. Source: https://www.firstmid.com/staff/scott-b-gruber, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: First Mid Bank & Trust (NMLS 411170), Edwardsville, IL. Source: https://www.firstmid.com/staff/scott-b-gruber, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/466924

## Contact

- View profile at First Mid Bank & Trust: https://www.firstmid.com/staff/scott-b-gruber
- Office phone and Email on file: shown at https://lendb.ai/lo/scott-b-gruber-466924#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/466924
- lender_site: https://www.firstmid.com/staff/scott-b-gruber

Cite as: Scott B. Gruber (NMLS 466924), First Mid Bank & Trust. LenDb.ai, https://lendb.ai/lo/scott-b-gruber-466924, last verified 2026-10-16.

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