Joseph Geffert
Mortgage Loan Officer at Loan Factory
NMLS ID 186479 (opens in a new tab) · verify at NMLS Consumer Access
Joseph Geffert (NMLS 186479) is Mortgage Loan Officer at Loan Factory. Licensed in 8 states: Florida, Arkansas, Indiana, Kentucky, Michigan, Pennsylvania, Tennessee and Texas. Focus areas shown on the lender page: Rural property and USDA loan. 2 years licensed.
Last verified . Sources: Loan Factory (loanfactory.com), Florida state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- 2 years licensed
- 8 states
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: loanfactory.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Arkansas, Indiana, Kentucky, Michigan, Pennsylvania, Tennessee, Texas
Confirmed with the state regulator: FL (opens in a new tab) (LO130319, since 2024), PA (opens in a new tab) (109800), verified 2026-10-09.
Others as listed on the lender page (AR, IN, KY, MI, TN, TX), not yet checked against state regulators.
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
Joe has 30 years of real estate and mortgage experience, including 10 years serving rural Kentucky communities as a USDA loan and grant specialist. He holds a master's degree in accounting and is a military veteran.
Our summary of the lender page. Verified 2026-10-09.
Reviews
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LenDb reviews
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Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Joseph Geffert (NMLS 186479), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-geffert-186479, last verified 2026-10-09.
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