---
canonical_url: https://lendb.ai/lo/joseph-reed-314678
json_url: https://lendb.ai/lo/joseph-reed-314678.json
nmls_id: 314678
last_verified: 2026-10-09
---

# Joe Reed

Mortgage Loan Officer at Loan Factory. NMLS ID 314678 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314678)).

**Summary:** Joe Reed (NMLS 314678) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO91086). Also lists California, Georgia and Texas on the lender page (not yet checked with the state regulator). Earliest state license record: July 12, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 12, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, 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


## About

Joe Reed has many years of mortgage banking experience originating home loans for purchase and refinance, emphasizing excellent customer service and competitive pricing.

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

## Facts from the lender page and intro

- service_area: California, Florida, Georgia, Texas. Source: https://www.loanfactory.com/mortgage-expert/joe-reed-314678, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91086 | active | confirmed | 2021-07-12 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | 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). Source: https://www.loanfactory.com/mortgage-expert/joe-reed-314678, 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/314678

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joe-reed-314678

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314678
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joe-reed-314678

Cite as: Joe Reed (NMLS 314678), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-reed-314678, last verified 2026-10-09.

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