---
canonical_url: https://lendb.ai/lo/stephen-smith-1404996
json_url: https://lendb.ai/lo/stephen-smith-1404996.json
nmls_id: 1404996
last_verified: 2026-10-09
---

# Stephen Smith

Loan Originator at Envoy Mortgage, Kirkwood, MO. NMLS ID 1404996 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1404996)).

**Summary:** Stephen Smith (NMLS 1404996) is Loan Originator at Envoy Mortgage, based in Kirkwood, MO. Lists Illinois, Kansas, Michigan, Missouri and Oklahoma on the lender page (not yet checked with the state regulator). States 25 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): 25 (source: https://www.envoymortgage.com/stephen-smith/, verified 2026-10-09)
- Licensed in: Illinois (IL, lender_reported), Kansas (KS, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), Oklahoma (OK, 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

Stephen Smith has over 25 years of experience dedicated to helping clients achieve homeownership. They provide personalized financing solutions tailored to borrowers' needs.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.envoymortgage.com/stephen-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OK | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Kirkwood, MO. Source: https://www.envoymortgage.com/stephen-smith/, 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/1404996

## Contact

- View profile at Envoy Mortgage: https://www.envoymortgage.com/stephen-smith/
- Email on file: shown at https://lendb.ai/lo/stephen-smith-1404996#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1404996
- lender_site: https://www.envoymortgage.com/stephen-smith/

Cite as: Stephen Smith (NMLS 1404996), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/stephen-smith-1404996, last verified 2026-10-09.

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