---
canonical_url: https://lendb.ai/lo/joel-kavanaugh-1232763
json_url: https://lendb.ai/lo/joel-kavanaugh-1232763.json
nmls_id: 1232763
last_verified: 2026-10-09
---

# Joel Kavanaugh

Mortgage Loan Officer at Truist Bank, Johnson City, TN. NMLS ID 1232763 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1232763)).

**Summary:** Joel Kavanaugh (NMLS 1232763) is Mortgage Loan Officer at Truist Bank, based in Johnson City, TN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Construction loan, VA loan and Physician and medical professional. Licensed since 2014 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: English
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604
- **VA loan** (`va`): lender page, confidence 0.23, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604

## About

Joel prioritizes transparent and efficient loan application processes, explaining complex loan concepts and terms in clear language so clients feel confident about their financial commitments.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO27750 | expired | confirmed | 2014-12-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Truist Bank (NMLS 399803), Johnson City, TN. Source: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604, 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/1232763

## Contact

- View profile at Truist Bank: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604
- Office phone and Email on file: shown at https://lendb.ai/lo/joel-kavanaugh-1232763#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1232763
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.truist.com/finder/mortgage/joel-kavanaugh-mortgage-loan-officer-johnson-city-tn-37604

Cite as: Joel Kavanaugh (NMLS 1232763), Truist Bank. LenDb.ai, https://lendb.ai/lo/joel-kavanaugh-1232763, last verified 2026-10-09.

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