---
canonical_url: https://lendb.ai/lo/trey-howard-2217156
json_url: https://lendb.ai/lo/trey-howard-2217156.json
nmls_id: 2217156
last_verified: 2026-10-09
---

# Trey Howard

Loan Officer at Ruoff Mortgage, OH. NMLS ID 2217156 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2217156)).

**Summary:** Trey Howard (NMLS 2217156) is Loan Officer at Ruoff Mortgage, based in Ohio. Lists Ohio on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: USDA 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: Ohio (OH, 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

- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.ruoff.com/TreyHoward

## Facts from the lender page and intro

- service_area: Central Ohio including Delaware, Licking, Fairfield, Madison, and Union counties. Source: https://www.ruoff.com/TreyHoward, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868), OH. Source: https://www.ruoff.com/TreyHoward, 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/2217156

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/TreyHoward
- Office phone on file: shown at https://lendb.ai/lo/trey-howard-2217156#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2217156
- lender_site: https://www.ruoff.com/TreyHoward

Cite as: Trey Howard (NMLS 2217156), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/trey-howard-2217156, last verified 2026-10-09.

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