---
canonical_url: https://lendb.ai/lo/joseph-chiofalo-1001412
json_url: https://lendb.ai/lo/joseph-chiofalo-1001412.json
nmls_id: 1001412
last_verified: 2026-10-09
---

# Joseph Chiofalo

Mortgage Loan Officer at Loan Factory. NMLS ID 1001412 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1001412)).

**Summary:** Joseph Chiofalo (NMLS 1001412) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO26663). Also lists Arizona, North Carolina, Nevada, Oregon and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Licensed since 2014 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), North Carolina (NC, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported)
- 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

- **Real estate investor** (`investor`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412

## About

Joseph Chiofalo has over 20 years of experience in mortgage lending, specializing in helping homebuyers, homeowners, and real estate investors with financing solutions including non-traditional loan options.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO26663 | active | confirmed | 2014-09-16 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412, 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/1001412

## Contact

- linkedin_url: https://www.linkedin.com/in/jchiofalo/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1001412
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joseph-chiofalo-1001412

Cite as: Joseph Chiofalo (NMLS 1001412), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-chiofalo-1001412, last verified 2026-10-09.

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