Stephanie Moncayo
VP | Branch Manager at Ruoff Mortgage
NMLS ID 2223577 (opens in a new tab) · verify at NMLS Consumer Access
Stephanie Moncayo (NMLS 2223577) is VP | Branch Manager at Ruoff Mortgage. Licensed in Florida, confirmed with the state regulator (license LO133680). Also lists Indiana and Michigan on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: New construction and VA loan. Speaks Spanish. Licensed since 2024 (per Florida records).
Last verified . Sources: Ruoff Mortgage (ruoff.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2024 (per Florida records)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: ruoff.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO133680, since 2024), verified 2026-10-09.
Lender-reported: IN, MI are listed on the lender page, not yet checked with the state regulator.
Contact
No public business contact on file.
We never see who you contact.
Employment history
Ruoff Mortgage NMLS 141868
Current · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Stephanie Moncayo is a mortgage professional offering personalized solutions including down payment assistance, creative and investor-friendly financing. They serve first-time homebuyers, growing families, and investment property purchases.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · ruoff.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Stephanie Moncayo (NMLS 2223577), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/stephanie-hoetger-moncayo-2223577, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.