David Ratti, Branch Manager & Senior Loan Officer

David 2019.jpg

David Ratti specializes in making the American dream come true. He is currently the market leader for the Ratti Lending Team and the Annapolis Branch of Envoy Mortgage. With 30 years in the business, David has opened several mortgage operations and has built some of the most successful teams in the mortgage industry.


David has a unique skill set within the industry. With more than 30 years experience in every aspect of the mortgage business he has held virtually every role within the mortgage business including: Closing Officer, Post-Closing, Processor, Processing Supervisor, Underwriter, Loan Originator, Branch Manager and Builder Services Manager.


He has received multiple recognitions and awards for his excellent service including: Chairman’s Club, President’s Club, Customer Service Star awards, Million Dollar Club, Manager of the Year, Executive of the Year, Top Producer awards and Top Branch awards.   David is an active member in the Mortgage Bankers Association, Anne Arundel County Association of Realtors, Greater Baltimore Board of Realtors and the Home Builders Association of MD.


David lives in Arnold, MD, with his wife, Suzanne, along with their Yellow Lab, Dory, a Golden Doodle named Dock and a crazy Boston Terrier, Sperry. The Ratti’s are very involved in community activities and charities, including Fish for a Cure in Annapolis, are avid boaters, enjoy classic cars and enjoy traveling. 


Buying a home can be a challenging experience. Dave’s goal is to ensure that by executing on the lending side of the process, the other professionals involved in the transaction can focus on their core competencies, providing the homeowner the best experience possible. Envoy Mortgage provides a strong realtor network, new home construction financing, veteran loan programs and refinancing.  Envoy has more than 150 offices nationwide and is an Originator, Servicer and an approved Fannie Mae & Freddie Mac seller, Ginnie Mae issuer offering FHA/VA products, CDA & USDA Rural Development programs.  Envoy is not a Correspondent and not a Bank, but rather a well resourced Mortgage Banker and Servicer with multiple recognitions as one of the Best Companies to Work for in America. Find out why by reaching out to David Ratti now!  Currently licensed in Maryland, Delaware, DC, NJ, Pennsylvania, and Virginia. Equal housing lender www.nmlsconsumeraccess.org

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.







What are People Saying about Dave Ratti?

Laurel, MD

David is a man who knows his stuff! He was on my side since Day 1 and made the financing of my home really easy to understand and a smooth process. I really think I couldn’t have had a better experience anywhere else.


Perry Hall, MD

David was extremely knowledgeable, helpful, and quick to respond! We had some weird questions and unique circumstances and he handled them all in stride. We would recommend him and his services to anyone and everyone!


Dover, DE

My experience with the Envoy team was top notch. They were able to answer any question I had no matter how trivial. I highly recommend this team for ANY of your reality needs.


Cambridge, MD 

Dave's response time was amazing! I usually received responses to my email questions within minutes, even on weekends. Angie had the undesirable task of organizing some of our closing requirements for the underwriter, but she got it done. The Docmagic digital signing process was a great feature, unfortunately, our title company hasn't caught up to 2020 technology, and we still had to "wet" sign every document that we digitally signed earlier in the day. Overall, Two Thumbs Way Up!


California, MD

Dave and his team were very helpful and patient during the whole refinance process. They take a major event for most people, whether it’s buying or refinancing a home, and remove the stress for the customer. I will absolutely be using them again when the time comes and I have referred all of my friends and family to their team. Thanks for making my life easy and saving me a ton of money!


Newark, DE

I am a single female self employed studio artist wit excellent credit. Other companies just said no, Envoy Mortgage took the time to support me in achieving my goals. Customer care, Ease of communication and Being introduced by Michael Io David and Angie was an amazing gift. Yikes the amount of paperwork would have been overwhelming if not for the calm expertise of Angie and accessibility of David. I’ve already recommended my brother and friend. Thanks for my Dreams coming true.


Millersville, MD

He was so easy to communicate with. Whenever we had questions, no matter what time of day, he always responded to our messages. David is super knowledgeable and helpful and wonderful to work with.


Dallas, PA

Made the process simple


Glen Burnie, MD 

The Envoy team was very responsive with any questions we had and made sure we understood everything throughout the process of buying our first home. With everything going on the process was seamless and was so much easier than we ever expected buying a home to be.


Arnold, MD

David is trustworthy. He worked with us directly during the entire process. He promptly answered all of our questions. We are very happy with our decision to refinance with him and his team!


Hagerstown, MD

David was super helpful during this whole process. He always answered my phone calls and answered all my questions. As first time home buyers he walked us through this process and was there every step of the way. Very happy we were referred to envoy and we will be telling all our friends and family to use them as well!


Pasadena, MD

David made this purchase go smoothly and with no stress. He communicated with us every step of the process. Communication for me is a huge factor and I was at ease the entire process because I always knew what was going on and that he had it under control.


Pasadena, MD

David came highly recommended. He understood our quickly approaching timeline. From first contact to the closing table David kept us informed and certain we would close on time. We did.... In 3 short weeks and to top it off after all the phone calls and emails David showed up in person at closing to meet us. Since so much business is done these days over mobile devices it was great to meet David who we put some much trust into. We will rave about David to anyone we know looking to buy.


Crofton, MD

Dave and his team helped us through an extremely challenging closing and still got us done by seller's tight closing window. Would highly recommend Dave and his group!


Stafford, VA

David Ratti, Angie and his team are 100% the reasoning I made it through this process with all of my hair intact. As a first time homebuyer, they made me feel extremely comfortable with asking questions. They were always available to help when needed. They definitely made me feel like a part of the Envoy Mortgage "Family" if you will. I will remember this moment, this chapter and how much of an important role they played in it for the rest of my life. I cannot thank them enough. :)



Baltimore, MD

Wow...Mr. Ratti...the best in the business. He will get you the best rate possible. He and his team will work with you to make sure you are comfortable with the home or your choice that fits your budget. GO WITH MR, RATTI YOU WONT GO WRONG... He made the process quick and painless.


Glen Burnie, MD

David was great during this process and very informative. He was very understanding and allowed me a few venting sessions when it came to the lender that I was trying to go with prior to finally going with David.


Severna Park, MD 

Your Team made a stressful process more pleasant!


Odenton, MD

Quick responses to questions. Good use of technology so speed the process.


Littlestown, PA

After very poor experiences with two other individuals, a friend recommended Dave .. and .. Wow! What a difference it makes when you are dealing with a knowledgeable, caring professional!! I have since recommended him to friends, family & coworkers.


Cooksville, MD

David assisted me on three refinances for my mortgage over the years, with my most recent being in 2012. When I had a good mortgage rate at 6%, Dave reached out to me and was able to drop my 30 year fixed from 6% to 4% - saving me $600.00 per month! In my dealings with Dave, he has always dealt with me honesty, been highly professional and worked with integrity. These are three traits that can be tough to find in today's business environment. If you do business with Dave, you will be more than satisfied. I highly recommend him.  He and his team will work with you to make sure you are comfortable with the home ...


Lexington Park, MD

Dave was very honest and easy to work with. My biggest reason for not refinancing was that I did not want to do all the paperwork. He made the process quick and painless. He also followed up with me throughout the process to keep me updated on the development of the refinance. Many companies offer the same rates, but his customer service is untouched. I would work with him again and would recommend him to others.