---
canonical_url: https://lendb.ai/lo/jody-richards-398979
json_url: https://lendb.ai/lo/jody-richards-398979.json
nmls_id: 398979
last_verified: 2026-10-09
---

# Jody Richards

Mortgage Loan Officer at Loan Factory, Red Bluff, CA. NMLS ID 398979 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/398979)).

**Summary:** Jody Richards (NMLS 398979) is Mortgage Loan Officer at Loan Factory, based in Red Bluff, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Rural property, DSCR loan, FHA loan, USDA loan and VA loan. 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.loanfactory.com/mortgage-expert/jody-richards-398979, verified 2026-10-09)
- Licensed in: California (CA, 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

- **Rural property** (`rural`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.59, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979
- **Real estate investor** (`investor`): lender page, confidence 0.48, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979

## About

Jody Richards has over 20 years of experience serving Northern California communities including Red Bluff, Chico, Redding, and surrounding areas, working with first-time buyers, veterans, rural homebuyers, and investors.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979, verified 2026-10-09.
- service_area: Red Bluff, Tehama County, Chico, Redding, Marysville, Oroville, Plumas Lake, El Dorado Hills, Granite Bay, Natomas, Rancho Cordova, Lincoln, and surrounding Northern California communities. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841), Red Bluff, CA. Source: https://www.loanfactory.com/mortgage-expert/jody-richards-398979, 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/398979

## Contact

- linkedin_url: https://www.linkedin.com/in/loansbyjodyrichards/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/jody-richards-398979

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/398979
- lender_site: https://www.loanfactory.com/mortgage-expert/jody-richards-398979

Cite as: Jody Richards (NMLS 398979), Loan Factory. LenDb.ai, https://lendb.ai/lo/jody-richards-398979, last verified 2026-10-09.

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