---
canonical_url: https://lendb.ai/lo/joseph-geffert-186479
json_url: https://lendb.ai/lo/joseph-geffert-186479.json
nmls_id: 186479
last_verified: 2026-10-09
---

# Joseph Geffert

Mortgage Loan Officer at Loan Factory, KY. NMLS ID 186479 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186479)).

**Summary:** Joseph Geffert (NMLS 186479) is Mortgage Loan Officer at Loan Factory, based in Kentucky. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Arkansas, Indiana, Kentucky, Michigan, Tennessee and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: USDA loan, Rural property and VA loan. Licensed since 2024 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Arkansas (AR, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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

- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479
- **Rural property** (`rural`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479
- **VA loan** (`va`): lender page, confidence 0.75, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479

## About

Retired U.S. Army veteran with 30 years of real estate and mortgage experience. Spent 10 years as a USDA loan specialist serving rural communities in western Kentucky.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.
- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.
- education: Master's degree in accounting. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.
- role: U.S. Army retiree. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.
- service_area: Western Kentucky, rural communities. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.
- role: USDA loan and grant specialist. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO130319 | active | confirmed | 2024-07-17 | state_regulator | 2026-10-09 |
| PA | state_license | 109800 | active | confirmed |  | state_regulator | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | 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 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), KY. Source: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479, 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/186479

## Contact

- linkedin_url: https://www.linkedin.com/in/joseph-geffert-1a38152b9/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186479
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479

Cite as: Joseph Geffert (NMLS 186479), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-geffert-186479, last verified 2026-10-09.

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