---
canonical_url: https://lendb.ai/lo/richard-breed-704369
json_url: https://lendb.ai/lo/richard-breed-704369.json
nmls_id: 704369
last_verified: 2026-10-09
---

# Richard Breed

Branch Manager/Vice President, Senior Mortgage Banker at Total Mortgage Services, West Hartford, CT. NMLS ID 704369 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704369)).

**Summary:** Richard Breed (NMLS 704369) is Branch Manager/Vice President, Senior Mortgage Banker at Total Mortgage Services, based in West Hartford, CT. Licensed in Florida, confirmed with the state regulator (license LO81813). Also lists Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island, South Carolina and Vermont on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: February 12, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 12, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Connecticut (CT, lender_reported), Massachusetts (MA, lender_reported), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Vermont (VT, 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 0.85, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/richard-breed

## About

Richard has the highest customer service ranking at Total Mortgage for 4 years in a row, with the highest production ranking for CHFA First-Time Homebuyer loans in Connecticut.

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

## Facts from the lender page and intro

- credential: Highest Customer Service Ranking within Total Mortgage for 4 years in a row. Source: https://www.totalmortgage.com/bankers/richard-breed, verified 2026-10-09.
- credential: Highest Production Ranking for CHFA First-Time Homebuyer Loans within Total Mortgage statewide. Source: https://www.totalmortgage.com/bankers/richard-breed, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO81813 | active | confirmed | 2021-02-12 | state_regulator | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| RI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), West Hartford, CT. Source: https://www.totalmortgage.com/bankers/richard-breed, 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/704369

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/richard-breed
- Email on file: shown at https://lendb.ai/lo/richard-breed-704369#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704369
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/richard-breed

Cite as: Richard Breed (NMLS 704369), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/richard-breed-704369, last verified 2026-10-09.

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