---
canonical_url: https://lendb.ai/lo/todd-richards-1000086
json_url: https://lendb.ai/lo/todd-richards-1000086.json
nmls_id: 1000086
last_verified: 2026-10-15
---

# Todd Richards

Sr. Loan Officer at Lower, Orlando, FL. NMLS ID 1000086 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1000086)).

**Summary:** Todd Richards (NMLS 1000086) is Sr. Loan Officer at Lower, based in Orlando, FL. Licensed in Florida, confirmed with the state regulator (license LO138808). Also lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: June 12, 2025 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 12, 2025 (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), Alabama (AL, lender_reported), Georgia (GA, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Works as a senior mortgage advisor at Lower, with a 2017 Florida Region Loan Officer of the Year award. Has called Orlando home since 2003.

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

## Facts from the lender page and intro

- credential: 2017 Loan Officer of the Year, Florida Region. Source: https://www.lower.com/loan-officers/florida/orlando/todd-richards, verified 2026-10-10.
- education: University of Florida graduate. Source: https://www.lower.com/loan-officers/florida/orlando/todd-richards, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO138808 | active | confirmed | 2025-06-12 | state_regulator | 2026-10-15 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Orlando, FL. Source: https://www.lower.com/loan-officers/florida/orlando/todd-richards, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1000086

## Contact

- linkedin_url: https://www.linkedin.com/in/todd-richards-73838710/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/orlando/todd-richards
- Office phone and Email on file: shown at https://lendb.ai/lo/todd-richards-1000086#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1000086
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/orlando/todd-richards
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Todd Richards (NMLS 1000086), Lower. LenDb.ai, https://lendb.ai/lo/todd-richards-1000086, last verified 2026-10-15.

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