---
canonical_url: https://lendb.ai/lo/david-ratti-532652
json_url: https://lendb.ai/lo/david-ratti-532652.json
nmls_id: 532652
last_verified: 2026-10-09
---

# David Ratti

Loan Originator at Envoy Mortgage, Rockville, MD. NMLS ID 532652 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/532652)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.envoymortgage.com/dratti/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Maryland (MD, lender_reported), New Jersey (NJ, lender_reported), 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


## About

Market leader for the Ratti Lending Team and Annapolis Branch with 30 years in mortgage industry. Has held virtually every role including originator, branch manager and underwriter.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.envoymortgage.com/dratti/, verified 2026-10-09.
- role: market leader for the Ratti Lending Team and Annapolis Branch. Source: https://www.envoymortgage.com/dratti/, verified 2026-10-09.
- credential: Chairman's Club, President's Club, Customer Service Star awards, Million Dollar Club, Manager of the Year, Executive of the Year, Top Producer awards, Top Branch awards. Source: https://www.envoymortgage.com/dratti/, verified 2026-10-09.
- community: Involved in Fish for a Cure, which generates funds for the Geaton and JoAnne DeCesaris Cancer Institute at Anne Arundel Medical Center in Annapolis. Source: https://www.envoymortgage.com/dratti/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91660 | active | confirmed | 2021-07-20 | state_regulator | 2026-10-09 |
| PA | state_license | 37299 | active | confirmed |  | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Rockville, MD. Source: https://www.envoymortgage.com/dratti/, 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/532652

## Contact

- linkedin_url: https://www.linkedin.com/in/rattilendingteam/ (source: lender_site, verified 2026-10-09)
- View profile at Envoy Mortgage: https://www.envoymortgage.com/dratti/
- Email on file: shown at https://lendb.ai/lo/david-ratti-532652#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/532652
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.envoymortgage.com/dratti/

Cite as: David Ratti (NMLS 532652), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/david-ratti-532652, last verified 2026-10-09.

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