---
canonical_url: https://lendb.ai/lo/matt-groves-1132394
json_url: https://lendb.ai/lo/matt-groves-1132394.json
nmls_id: 1132394
last_verified: 2026-10-10
---

# Matt Groves

Loan Partner at Lower, Franklin, KY. NMLS ID 1132394 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1132394)).

**Summary:** Matt Groves (NMLS 1132394) is Loan Partner at Lower, based in Franklin, KY. Lists Georgia, Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Georgia (GA, lender_reported), Kentucky (KY, lender_reported), Tennessee (TN, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Matt has worked in the mortgage industry since 2010 and brings a background in economics and finance. They focus on tailoring guidance to each client's long-term financial picture.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Video intro available

Matt has a short recorded video intro on Lower's site.

Watch on Lower's site: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: since 2010. Source: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves, verified 2026-10-10.
- other: Background in economics and finance, with banking, risk management, financial analysis and planning, and accounting expertise. Source: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Franklin, KY. Source: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1132394

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves
- Email on file: shown at https://lendb.ai/lo/matt-groves-1132394#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1132394
- lender_site: https://www.lower.com/loan-officers/kentucky/franklin/matt-groves

Cite as: Matt Groves (NMLS 1132394), Lower. LenDb.ai, https://lendb.ai/lo/matt-groves-1132394, last verified 2026-10-10.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._