{
  "canonical_url": "https://lendb.ai/lo/matthew-owen-630317",
  "loan_officer": {
    "nmls_id": 630317,
    "slug": "matthew-owen-630317",
    "canonical_url": "https://lendb.ai/lo/matthew-owen-630317",
    "md_url": "https://lendb.ai/lo/matthew-owen-630317.md",
    "json_url": "https://lendb.ai/lo/matthew-owen-630317.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/630317",
    "full_name": {
      "value": "Matthew Owen",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Matthew",
    "last_name": "Owen",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/07/630317-new.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Senior Vice President",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "lender_slug": "the-federal-savings-bank-411500",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO38192",
        "status": "expired",
        "issued_at": "2017-01-12",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/",
        "verified_at": "2026-10-16"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Marketing degree, W.P. Carey School of Business, Arizona State University",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Senior Banker positions at large financial institutions",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Multiple awards and recognitions from peers",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Donates time to charitable organizations",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/matthew-owen/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 10:03:51.014329+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/matthew-owen-630317#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.thefederalsavingsbank.com/bankers/matthew-owen/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2017-01-12",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}