David Ratti
Loan Originator at Envoy Mortgage · Rockville, MD
NMLS ID 532652 (opens in a new tab) · verify at NMLS Consumer Access
David Ratti (NMLS 532652) is Loan Originator at Envoy Mortgage, based in Rockville, MD. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists District of Columbia, Delaware, Maryland, New Jersey and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). States 30 years of experience.
Last verified . Sources: Envoy Mortgage (envoymortgage.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2021 (per Florida records)
- 30 years experience (stated)
- 7 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, District of Columbia, Delaware, Maryland, New Jersey, Pennsylvania, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO91660, since 2021), PA (opens in a new tab) (37299), verified 2026-10-09.
Lender-reported: DC, DE, MD, NJ, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Envoy Mortgage NMLS 6666
Current · Rockville, MD · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
David Ratti is market leader and branch manager at the Annapolis Branch with 30 years in the mortgage industry. He has held virtually every role in the business and won multiple awards including Chairman's Club, President's Club, and Executive of the Year.
Our summary of the lender page. Verified 2026-10-09.
- Role
- market leader for the Ratti Lending Team and the Annapolis Branch
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · envoymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · envoymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · envoymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · envoymortgage.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · envoymortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: David Ratti (NMLS 532652), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/david-ratti-532652, last verified 2026-10-09.
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