---
canonical_url: https://lendb.ai/lo/sheri-watkins-279665
json_url: https://lendb.ai/lo/sheri-watkins-279665.json
nmls_id: 279665
last_verified: 2026-10-09
---

# Sheri Watkins

Senior Loan Officer at Ruoff Mortgage. NMLS ID 279665 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/279665)).

**Summary:** Sheri Watkins (NMLS 279665) is Senior Loan Officer at Ruoff Mortgage. Licensed in Florida, confirmed with the state regulator (license LO63250). Also lists Illinois, Indiana, Kentucky, Michigan, Ohio, Tennessee and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, New construction and Vacation home. Licensed since 2019 (per Florida records). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.ruoff.com/SheriWatkins, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/SheriWatkins
- **New construction** (`new-construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/SheriWatkins
- **Vacation home** (`vacation-home`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.ruoff.com/SheriWatkins

## About

Sheri Watkins is a Senior Loan Officer with over 25 years of mortgage lending experience, serving Southwest Florida and the Greater Cincinnati/West Chester area. She helps clients with primary homes, relocations, second homes, new construction, and first-time purchases across eight licensed states.

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/SheriWatkins, verified 2026-10-09.
- service_area: Southwest Florida, Greater Cincinnati/West Chester area. Source: https://www.ruoff.com/SheriWatkins, verified 2026-10-09.
- credential: 2x President's Club Winner. Source: https://www.ruoff.com/SheriWatkins, verified 2026-10-09.
- credential: Ruoff Customer Experience Award (2x). Source: https://www.ruoff.com/SheriWatkins, verified 2026-10-09.
- credential: 97.78% Customer Satisfaction Score. Source: https://www.ruoff.com/SheriWatkins, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO63250 | active | confirmed | 2019-08-07 | 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 |
| 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 |
| TX | 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/SheriWatkins, 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/279665

## Contact

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

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/279665
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.ruoff.com/SheriWatkins

Cite as: Sheri Watkins (NMLS 279665), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/sheri-watkins-279665, last verified 2026-10-09.

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