---
canonical_url: https://lendb.ai/lo/carol-richardson-624077
json_url: https://lendb.ai/lo/carol-richardson-624077.json
nmls_id: 624077
last_verified: 2026-10-09
---

# Carol Richardson

Loan Officer at ALCOVA Mortgage, Richmond, VA. NMLS ID 624077 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/624077)).

**Summary:** Carol Richardson (NMLS 624077) is Loan Officer at ALCOVA Mortgage, based in Richmond, VA. Lists Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. 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: Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://alcova.com/loan-officer/crichardson/

## About

Carol has 41 years of banking experience starting at JP Morgan Chase in 1985, including 31 years in mortgage. She moved to Virginia in 2012 to be closer to family and is passionate about helping first-time homebuyers achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: since 1985. Source: https://alcova.com/loan-officer/crichardson/, verified 2026-10-09.
- years_experience: since 1993. Source: https://alcova.com/loan-officer/crichardson/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Richmond, VA. Source: https://alcova.com/loan-officer/crichardson/, 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/624077

## Contact

- linkedin_url: https://www.linkedin.com/in/carol-richardson-b2b32375/ (source: lender_site, verified 2026-10-09)
- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/crichardson/
- Email on file: shown at https://lendb.ai/lo/carol-richardson-624077#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/624077
- lender_site: https://alcova.com/loan-officer/crichardson/

Cite as: Carol Richardson (NMLS 624077), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/carol-richardson-624077, last verified 2026-10-09.

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