{
  "canonical_url": "https://lendb.ai/lo/jeffrey-bayer-379963",
  "loan_officer": {
    "nmls_id": 379963,
    "slug": "jeffrey-bayer-379963",
    "canonical_url": "https://lendb.ai/lo/jeffrey-bayer-379963",
    "md_url": "https://lendb.ai/lo/jeffrey-bayer-379963.md",
    "json_url": "https://lendb.ai/lo/jeffrey-bayer-379963.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/379963",
    "full_name": {
      "value": "Jeff Bayer",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jeff",
    "last_name": "Bayer",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/IhlRcXMWV8HfScSNofCHMri_1sLY3uzhoyQtlsRPQPA/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Jeff Bayer is an Originating Manager in Cumming, GA. They say they have worked with borrowers since 1997, especially veterans, to get financing for their home. They say they know the guidelines for conventional, FHA, USDA and VA loans, and outside work they volunteer with Habitat for Humanity.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Originating Manager",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Cumming",
      "branch_state": "GA",
      "branch_zip": "30041",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Cumming",
        "branch_state": "GA",
        "branch_zip": "30041",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO64100",
        "status": "expired",
        "issued_at": "2019-09-13",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.55,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/jeff-bayer-a6840162/",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1997",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Habitat for Humanity volunteer",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-bayer-379963",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 09:21:56.706076+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jeffrey-bayer-379963#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://www.grarate.com/loan-officers/jeff-bayer-379963",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2019-09-13",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2019,
      "state": "FL"
    },
    "federal_registration": null
  }
}