---
canonical_url: https://lendb.ai/lo/joseph-galvin-48834
json_url: https://lendb.ai/lo/joseph-galvin-48834.json
nmls_id: 48834
last_verified: 2026-10-09
---

# Joe Galvin

Mortgage Loan Officer at Loan Factory, Andover, MA. NMLS ID 48834 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/48834)).

**Summary:** Joe Galvin (NMLS 48834) is Mortgage Loan Officer at Loan Factory, based in Andover, MA. Lists Massachusetts, Maine and New Hampshire on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2018 (per Florida records). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2018 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834, verified 2026-10-09)
- Licensed in: Massachusetts (MA, lender_reported), Maine (ME, lender_reported), New Hampshire (NH, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834

## About

Joe brings 25+ years of residential lending experience with over $500M in closed loans. He specializes in conventional, FHA, and VA loans for first-time buyers and refinancing clients across Massachusetts and New England.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834, verified 2026-10-09.
- role: founder of independent brokerage. Source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834, verified 2026-10-09.
- service_area: Massachusetts and New England. Source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO50740 | expired | confirmed | 2018-02-13 | state_regulator | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), Andover, MA. Source: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834, 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/48834

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/48834
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joe-galvin-48834

Cite as: Joe Galvin (NMLS 48834), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-galvin-48834, last verified 2026-10-09.

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