David Ratti, Branch Manager & Senior Loan Officer

David Ratti is the Branch Manager of our Annapolis, Maryland retail office and has 30 years of experience in the mortgage industry. 

He and his wife, Suzanne, live in the Annapolis area where they enjoy all the splendors the Chesapeake Bay offers. He’s also an avid sports fan, cheering on his home teams, the Baltimore Ravens, US Naval Academy, and the Baltimore Orioles.

David Ratti, Branch Manager

Envy Mortgage, Ltd.

102 Old Solomon's Island Road, 1st Floor, Annapolis, MD  21401

Mobile: (410) 707-5825

Office:   (667) 223-1901



Branch Manager - NMLS : 532652

Envoy Mortgage Ltd - NMLS : 6666

Envoy Mortgage is an Equal Housing Lender – This is not a commitment to lend.