---
canonical_url: https://lendb.ai/lo/staci-rubin-196738
json_url: https://lendb.ai/lo/staci-rubin-196738.json
nmls_id: 196738
last_verified: 2026-10-15
---

# Staci Rubin

Mortgage Banker at BoxCar Mortgage, LLC. NMLS ID 196738 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196738)).

**Summary:** Staci Rubin (NMLS 196738) is Mortgage Banker at BoxCar Mortgage, LLC. Licensed in Florida, confirmed with the state regulator (license LO117813). Focus areas shown on the lender page: Down payment assistance and Self-employed. Earliest state license record: February 28, 2023 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 28, 2023 (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): 20 (source: https://www.valorhl.com/staci-rubin, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

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

- **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.valorhl.com/staci-rubin
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.valorhl.com/staci-rubin

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.valorhl.com/staci-rubin, verified 2026-10-15.
- credential: Certified Mortgage Planning Specialist. Source: https://www.valorhl.com/staci-rubin, verified 2026-10-15.
- education: Philadelphia University, B.S. in Business. Source: https://www.valorhl.com/staci-rubin, verified 2026-10-15.
- other: Available 7 days a week. Source: https://www.valorhl.com/staci-rubin, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117813 | active | confirmed | 2023-02-28 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: BoxCar Mortgage, LLC (NMLS 1969375). Source: https://www.valorhl.com/staci-rubin, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196738

## Contact

- View profile at BoxCar Mortgage, LLC: https://www.valorhl.com/staci-rubin
- Office phone and Email on file: shown at https://lendb.ai/lo/staci-rubin-196738#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196738
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.valorhl.com/staci-rubin
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Staci Rubin (NMLS 196738), BoxCar Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/staci-rubin-196738, last verified 2026-10-15.

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