---
canonical_url: https://lendb.ai/lo/stephany-leonard-942221
json_url: https://lendb.ai/lo/stephany-leonard-942221.json
nmls_id: 942221
last_verified: 2026-10-09
---

# Stephany Leonard

Loan Officer at Ruoff Mortgage. NMLS ID 942221 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/942221)).

**Summary:** Stephany Leonard (NMLS 942221) is Loan Officer at Ruoff Mortgage. Lists Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, First-time buyer and VA loan. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/StephanyLeonard
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/StephanyLeonard
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/StephanyLeonard
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/StephanyLeonard

## About

Stephany Leonard is a veteran serving Northwest Indiana, helping first-time homebuyers, veterans, families, and current homeowners with VA loans, FHA, conventional financing, down payment assistance, and refinancing. As a Homes for Heroes lender, they provide exclusive benefits to community heroes.

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

## Facts from the lender page and intro

- role: Homes for Heroes lender. Source: https://www.ruoff.com/StephanyLeonard, verified 2026-10-09.
- service_area: Northwest Indiana (NWI). Source: https://www.ruoff.com/StephanyLeonard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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/StephanyLeonard, 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/942221

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/StephanyLeonard
- Office phone on file: shown at https://lendb.ai/lo/stephany-leonard-942221#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/942221
- lender_site: https://www.ruoff.com/StephanyLeonard

Cite as: Stephany Leonard (NMLS 942221), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/stephany-leonard-942221, last verified 2026-10-09.

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