---
canonical_url: https://lendb.ai/lo/ross-richards-1915934
json_url: https://lendb.ai/lo/ross-richards-1915934.json
nmls_id: 1915934
last_verified: 2026-10-09
---

# Ross Richards

Mortgage Loan Officer at Loan Factory. NMLS ID 1915934 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1915934)).

**Summary:** Ross Richards (NMLS 1915934) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO149823). Also lists Kentucky and Minnesota on the lender page (not yet checked with the state regulator). Licensed since 2026 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Kentucky (KY, lender_reported), Minnesota (MN, 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

Ross Richards brings years of banking industry experience to help clients navigate mortgage options with transparency and personalized service, focusing on first-time homebuyers and refinancing.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO149823 | active | confirmed | 2026-07-27 | state_regulator | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/ross-richards-1915934, 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/1915934

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/ross-richards-1915934

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1915934
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/ross-richards-1915934

Cite as: Ross Richards (NMLS 1915934), Loan Factory. LenDb.ai, https://lendb.ai/lo/ross-richards-1915934, last verified 2026-10-09.

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