---
canonical_url: https://lendb.ai/lo/geldie-richardson-231386
json_url: https://lendb.ai/lo/geldie-richardson-231386.json
nmls_id: 231386
last_verified: 2026-10-09
---

# Geldie Richardson

Loan Originator at Envoy Mortgage, Auburn, CA. NMLS ID 231386 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231386)).

**Summary:** Geldie Richardson (NMLS 231386) is Loan Originator at Envoy Mortgage, based in Auburn, CA. Lists Arizona, California, New Mexico and Nevada on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance and First-time buyer. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.envoymortgage.com/geldie-richardson/, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.envoymortgage.com/geldie-richardson/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.envoymortgage.com/geldie-richardson/

## About

California native with 20+ years in mortgage lending since 2003. Specializes in first-time homebuyers and down payment assistance programs, with certification in Section 184 loans for tribal members.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.envoymortgage.com/geldie-richardson/, verified 2026-10-09.
- credential: Certified to originate Section 184 loans for tribal members. Source: https://www.envoymortgage.com/geldie-richardson/, verified 2026-10-09.
- service_area: Placer County, California. Source: https://www.envoymortgage.com/geldie-richardson/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Auburn, CA. Source: https://www.envoymortgage.com/geldie-richardson/, 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/231386

## Contact

- linkedin_url: https://www.linkedin.com/in/geldie-richardson-51840317/ (source: lender_site, verified 2026-10-09)
- View profile at Envoy Mortgage: https://www.envoymortgage.com/geldie-richardson/
- Email on file: shown at https://lendb.ai/lo/geldie-richardson-231386#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/231386
- lender_site: https://www.envoymortgage.com/geldie-richardson/

Cite as: Geldie Richardson (NMLS 231386), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/geldie-richardson-231386, last verified 2026-10-09.

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