{
  "canonical_url": "https://lendb.ai/lo/matthew-hergert-234563",
  "loan_officer": {
    "nmls_id": 234563,
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    "canonical_url": "https://lendb.ai/lo/matthew-hergert-234563",
    "md_url": "https://lendb.ai/lo/matthew-hergert-234563.md",
    "json_url": "https://lendb.ai/lo/matthew-hergert-234563.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234563",
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    },
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    "headshot_url": {
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      "verified_at": "2026-10-09"
    },
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      "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
      "verified_at": "2026-10-09"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2179191,
        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
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      {
        "slug": "asset-based",
        "label": "Asset-based qualifying",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20+",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Technical expertise from successful career in telecommunications engineering",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Licensed since 2005",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Access to relationships with more than 120 lenders",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/matthew-hergert",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:26:27.182291+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/matthew-hergert-234563#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://xperthomelending.com/loan-directory/matthew-hergert",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}