---
canonical_url: https://lendb.ai/lo/joel-kemp-209083
json_url: https://lendb.ai/lo/joel-kemp-209083.json
nmls_id: 209083
last_verified: 2026-10-09
---

# Joel Kemp

Loan Officer at Synergy One Lending, San Diego, CA. NMLS ID 209083 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/209083)).

**Summary:** Joel Kemp (NMLS 209083) is Loan Officer at Synergy One Lending, based in San Diego, CA. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Licensed since 2012 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2012 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed)
- 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


## Facts from the lender page and intro

- service_area: 49 states excluding NY. Source: https://s1l.com/loanofficer/joelkemp/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO15266 | active | confirmed | 2012-07-02 | state_regulator | 2026-10-09 |
| CO | state_license | 100039676 | active | confirmed | 2012-05-25 | state_regulator | 2026-10-10 |
| PA | state_license | 38510 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Synergy One Lending (NMLS 1907235), San Diego, CA. Source: https://s1l.com/loanofficer/joelkemp/, 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/209083

## Contact

- View profile at Synergy One Lending: https://s1l.com/loanofficer/joelkemp/
- Office phone and Email on file: shown at https://lendb.ai/lo/joel-kemp-209083#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/209083
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=141476&contact=267592
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://s1l.com/loanofficer/joelkemp/

Cite as: Joel Kemp (NMLS 209083), Synergy One Lending. LenDb.ai, https://lendb.ai/lo/joel-kemp-209083, last verified 2026-10-09.

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