---
canonical_url: https://lendb.ai/lo/tovah-payne-2346842
json_url: https://lendb.ai/lo/tovah-payne-2346842.json
nmls_id: 2346842
last_verified: 2026-10-09
---

# Tovah Payne

Loan Originator at Envoy Mortgage, Culpeper, VA. NMLS ID 2346842 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2346842)).

**Summary:** Tovah Payne (NMLS 2346842) is Loan Originator at Envoy Mortgage, based in Culpeper, VA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Maryland, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Maryland (MD, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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

Tovah is a dedicated mortgage professional and mom who brings empathy and commitment to helping clients achieve homeownership with transparent communication and attentive guidance.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO126515 | active | confirmed | 2024-03-01 | state_regulator | 2026-10-09 |
| PA | state_license | 101949 | active | confirmed |  | state_regulator | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Culpeper, VA. Source: https://www.envoymortgage.com/tovah-payne/, 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/2346842

## Contact

- linkedin_url: https://www.linkedin.com/in/tovah-payne-7ab540220/ (source: lender_site, verified 2026-10-09)
- View profile at Envoy Mortgage: https://www.envoymortgage.com/tovah-payne/
- Email on file: shown at https://lendb.ai/lo/tovah-payne-2346842#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2346842
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.envoymortgage.com/tovah-payne/

Cite as: Tovah Payne (NMLS 2346842), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/tovah-payne-2346842, last verified 2026-10-09.

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