---
canonical_url: https://lendb.ai/lo/scott-phegley-610874
json_url: https://lendb.ai/lo/scott-phegley-610874.json
nmls_id: 610874
last_verified: 2026-10-09
---

# Scott Phegley

Senior Loan Officer at Ruoff Mortgage. NMLS ID 610874 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/610874)).

**Summary:** Scott Phegley (NMLS 610874) is Senior Loan Officer at Ruoff Mortgage. Lists Illinois and Indiana on the lender page (not yet checked with the state regulator). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.ruoff.com/ScottPhegley, verified 2026-10-09)
- Licensed in: Illinois (IL, lender_reported), Indiana (IN, 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


## About

Scott brings over 25 years of real estate and mortgage experience, serving families across central Illinois and Indiana with fast pre-approvals and educational, low-pressure guidance through purchase, refinance, and construction transactions.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.ruoff.com/ScottPhegley, verified 2026-10-09.
- credential: President's Club 4x Winner. Source: https://www.ruoff.com/ScottPhegley, verified 2026-10-09.
- credential: Top Mortgage Lenders (Scotsman Guide). Source: https://www.ruoff.com/ScottPhegley, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/ScottPhegley, 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/610874

## Contact

- linkedin_url: https://www.linkedin.com/in/scott-phegley-5013627a (source: lender_site, verified 2026-10-09)
- View profile at Ruoff Mortgage: https://www.ruoff.com/ScottPhegley
- Office phone on file: shown at https://lendb.ai/lo/scott-phegley-610874#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/610874
- lender_site: https://www.ruoff.com/ScottPhegley

Cite as: Scott Phegley (NMLS 610874), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/scott-phegley-610874, last verified 2026-10-09.

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