---
canonical_url: https://lendb.ai/lo/stephanie-hoetger-moncayo-2223577
json_url: https://lendb.ai/lo/stephanie-hoetger-moncayo-2223577.json
nmls_id: 2223577
last_verified: 2026-10-09
---

# Stephanie Moncayo

VP | Branch Manager at Ruoff Mortgage. NMLS ID 2223577 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2223577)).

**Summary:** 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. Earliest state license record: December 4, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: December 4, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Indiana (IN, lender_reported), Michigan (MI, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/StephanieMoncayo
- **VA loan** (`va`): lender page, confidence 0.60, verified 2026-10-09. Source: https://www.ruoff.com/StephanieMoncayo

## 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.

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

## Facts from the lender page and intro

- credential: Top Mortgage Lenders (Scotsman Guide). Source: https://www.ruoff.com/StephanieMoncayo, verified 2026-10-09.
- credential: President's Club. Source: https://www.ruoff.com/StephanieMoncayo, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO133680 | active | confirmed | 2024-12-04 | state_regulator | 2026-10-09 |
| IN | 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 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/StephanieMoncayo, 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/2223577

## Contact

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

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2223577
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/StephanieMoncayo

Cite as: Stephanie Moncayo (NMLS 2223577), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/stephanie-hoetger-moncayo-2223577, last verified 2026-10-09.

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