{
  "canonical_url": "https://lendb.ai/lo/tony-falbo-1071550",
  "loan_officer": {
    "nmls_id": 1071550,
    "slug": "tony-falbo-1071550",
    "canonical_url": "https://lendb.ai/lo/tony-falbo-1071550",
    "md_url": "https://lendb.ai/lo/tony-falbo-1071550.md",
    "json_url": "https://lendb.ai/lo/tony-falbo-1071550.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1071550",
    "full_name": {
      "value": "Tony Falbo",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Tony",
    "last_name": "Falbo",
    "headshot_url": {
      "value": "https://homeownersfg.com/wp-content/uploads/Tony-Falbo-e1701277262195.jpg",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Tony has been helping customers with home financing since 1998, starting as a branch manager at a large bank and later working 10 years at another bank. He specializes in diverse loan programs and helping borrowers turned down elsewhere, believing he can tackle any lending challenge.",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Licensed Mortgage Professional",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 93718,
      "lender_name": "Homeowners Financial Group",
      "lender_slug": "homeowners-financial-group-93718",
      "branch_city": "Santa Rosa",
      "branch_state": "CA",
      "branch_zip": "95403",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeownersfg.com/tonyfalbo/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 93718,
        "lender_name": "Homeowners Financial Group",
        "lender_slug": "homeowners-financial-group-93718",
        "branch_city": "Santa Rosa",
        "branch_state": "CA",
        "branch_zip": "95403",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeownersfg.com/tonyfalbo/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/tony-falbo-6505a771/",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1998",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Became branch manager at large bank a year after starting career",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "Worked 10 years at another large bank",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree in international business from Sonoma State University, graduated 1997",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/tonyfalbo/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:04:22.814559+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tony-falbo-1071550#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/tonyfalbo/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}