# Joel Lobb

**Loan Officer** at [EVO Mortgage ](https://saferate.com/lenders/evo-mortgage-1738461)

> **Canonical URL:** https://saferate.com/broker-profile/joel-lobb-57916

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## Overview & Credentials

- **Full Name:** Joel Lobb
- **Title:** Loan Officer
- **NMLS ID:** 57916
- **Company Affiliation:** [EVO Mortgage ](https://saferate.com/lenders/evo-mortgage-1738461)
- **Phone:** (502) 905-3708
- **Website:** [Visit Website](https://kentuckymortgageblog.com/)
- **Get a Quote:** [Request quotes on Safe Rate](https://saferate.com/broker-profile/joel-lobb-57916)

## About Joel

I'm Joel Lobb, a licensed mortgage loan officer based in Louisville, Kentucky. I work with home buyers across all 120 Kentucky counties, with a special focus on first-time buyers who want a clear, honest read on what they qualify for before they start shopping.

Every application gets reviewed by me personally — one local, licensed loan officer from your first question to your closing table. Application reviews are free, and you'll typically get same-day answers.

Loan programs I work with
Kentucky FHA loans — 3.5% down, flexible credit
Kentucky VA loans — $0 down for veterans and active military
Kentucky USDA / Rural Housing loans — $0 down in eligible areas
KHC down payment assistance — up to $12,500 through Kentucky Housing Corporation
Conventional loans — including low-down-payment options
What clients say
You can read real closing stories on my testimonials page, see my reviews on Google, or visit my YouTube channel where I answer common Kentucky mortgage questions.

Get in touch
Call or text me at 502-905-3708, email kentuckyloan@gmail.com, or start online:

Start my pre-approval →
Call or text 502-905-3708
Joel Lobb · Mortgage Loan Officer · EVO Mortgage · 10602 Timberwood Cir, Ste 3, Louisville, KY 40223 · NMLS #57916 · Company NMLS #1738461 · Equal Housing Lender · Kentucky Mortgage Loans Only. Not endorsed by FHA, VA, USDA, KHC, or any government agency. This is not a commitment to lend. All loans subject to credit approval, income verification, and property appraisal. Rates and terms subject to change without notice.

## Licensed States

Licensed to originate mortgage loans in: **KY**

## Languages Spoken

Spoken / Originated: **English**

## Professional Profiles & Social Media

- **facebook:** [facebook Profile](https://www.facebook.com/profile.php?id=61575509734729)
- **instagram:** [instagram Profile](https://www.instagram.com/joelelobb/)
- **linkedin:** [linkedin Profile](https://www.linkedin.com/in/kentuckyfirsttimehomebuyer/)
- **x:** [x Profile](https://x.com/kentuckyloan)

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Professional NMLS Registry Status:** Active & Verified
**Last Updated:** 2026-11-08
**Canonical URL:** https://saferate.com/broker-profile/joel-lobb-57916

### How to Cite

> "Joel Lobb (EVO Mortgage ) - Professional Mortgage Profile." Safe Rate, 2026. https://saferate.com/broker-profile/joel-lobb-57916

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**[View Interactive Web Profile →](https://saferate.com/broker-profile/joel-lobb-57916)**