---
canonical_url: https://lendb.ai/lo/troy-harmer-2732124
json_url: https://lendb.ai/lo/troy-harmer-2732124.json
nmls_id: 2732124
last_verified: 2026-10-09
---

# Troy Harmer

Senior Loan Officer at Ruoff Mortgage, Zanesville, OH. NMLS ID 2732124 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2732124)).

**Summary:** Troy Harmer (NMLS 2732124) is Senior Loan Officer at Ruoff Mortgage, based in Zanesville, OH. Licensed in Florida, confirmed with the state regulator (license LO145219). Also lists Alabama and Ohio on the lender page (not yet checked with the state regulator). Earliest state license record: February 20, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 20, 2026 (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), Alabama (AL, lender_reported), 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


## About

Lifelong Muskingum County resident focused on helping local Zanesville families achieve homeownership. Provides personalized guidance for first-time buyers and refinancing with emphasis on transparency and available support beyond closing.

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

## Facts from the lender page and intro

- service_area: Zanesville and nearby areas in the community. Source: https://www.ruoff.com/TroyHarmer, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145219 | active | confirmed | 2026-02-20 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868), Zanesville, OH. Source: https://www.ruoff.com/TroyHarmer, 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/2732124

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/TroyHarmer
- Office phone on file: shown at https://lendb.ai/lo/troy-harmer-2732124#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2732124
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.ruoff.com/TroyHarmer

Cite as: Troy Harmer (NMLS 2732124), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/troy-harmer-2732124, last verified 2026-10-09.

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