---
canonical_url: https://lendb.ai/lo/joni-kepler-419444
json_url: https://lendb.ai/lo/joni-kepler-419444.json
nmls_id: 419444
last_verified: 2026-10-16
---

# Joni Kepler

SVP/Branch Manager at Eagle Bank and Trust Company, Idaho Falls, ID. NMLS ID 419444 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/419444)).

Based in Idaho Falls, Idaho, Joni Kepler (NMLS 419444) is a mortgage loan officer at Eagle Bank and Trust Company.

**Summary:** Joni Kepler (NMLS 419444) is SVP/Branch Manager at Eagle Bank and Trust Company, based in Idaho Falls, ID. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 35 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Joni licensed?

Joni works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Joni work for?

Eagle Bank and Trust Company, company NMLS 410317, from the Idaho Falls, ID office, per the lender's own site (verified 2026-10-16). Source: https://www.eaglebank.com/lender/joni-kepler/.

### How much experience does Joni have?

Joni states 35 years of experience. Source: https://www.eaglebank.com/lender/joni-kepler/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 35 (source: https://www.eaglebank.com/lender/joni-kepler/, verified 2026-10-16)
- 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: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 35. Source: https://www.eaglebank.com/lender/joni-kepler/, verified 2026-10-16.
- credential: Number 1 Mortgage Originator for 8 of the last 10 years. Source: https://www.eaglebank.com/lender/joni-kepler/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Eagle Bank and Trust Company (NMLS 410317), Idaho Falls, ID. Source: https://www.eaglebank.com/lender/joni-kepler/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/419444

## Contact

- View profile at Eagle Bank and Trust Company: https://www.eaglebank.com/lender/joni-kepler/
- Office phone on file: shown at https://lendb.ai/lo/joni-kepler-419444#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/419444
- lender_site: https://www.eaglebank.com/lender/joni-kepler/

Cite as: Joni Kepler (NMLS 419444), Eagle Bank and Trust Company. LenDb.ai, https://lendb.ai/lo/joni-kepler-419444, last verified 2026-10-16.

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