---
canonical_url: https://lendb.ai/lo/zachary-hayes-939869
json_url: https://lendb.ai/lo/zachary-hayes-939869.json
nmls_id: 939869
last_verified: 2026-10-09
---

# Zachary Hayes

Loan Originator at Envoy Mortgage, Bel Air, MD. NMLS ID 939869 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/939869)).

**Summary:** Zachary Hayes (NMLS 939869) is Loan Originator at Envoy Mortgage, based in Bel Air, MD. Lists Maryland, New Jersey, Pennsylvania, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: May 4, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 4, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Maryland (MD, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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

Zachary Hayes has years of lending experience and serves clients locally and across the country. Known for his white-glove approach, he prioritizes understanding each client's goals and providing expert guidance from application to closing.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO107110 | expired | confirmed | 2022-05-04 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | 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 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Bel Air, MD. Source: https://www.envoymortgage.com/zac-hayes/, 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/939869

## Contact

- View profile at Envoy Mortgage: https://www.envoymortgage.com/zac-hayes/
- Email on file: shown at https://lendb.ai/lo/zachary-hayes-939869#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/939869
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.envoymortgage.com/zac-hayes/

Cite as: Zachary Hayes (NMLS 939869), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/zachary-hayes-939869, last verified 2026-10-09.

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