{
  "canonical_url": "https://lendb.ai/lo/matt-neam-501333",
  "lede": {
    "text": "Based in Avon, Colorado, Matt Neam (NMLS 501333) is a Mortgage Banker at NBH Bank.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Matt licensed?",
      "a": "Matt works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Matt work for?",
      "a": "NBH Bank, company NMLS 465954, from the Avon, CO office, per the lender's own site (verified 2026-10-26).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Matt been licensed?",
      "a": "The earliest state license record LenDb holds for Matt is from May 26, 2026 (Wyoming regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Matt states 15 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Wyoming state regulator",
      "source_url": "https://wyomingbankingdivision.wyo.gov/",
      "verified_at": "2026-10-27"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 501333,
    "slug": "matt-neam-501333",
    "canonical_url": "https://lendb.ai/lo/matt-neam-501333",
    "md_url": "https://lendb.ai/lo/matt-neam-501333.md",
    "json_url": "https://lendb.ai/lo/matt-neam-501333.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501333",
    "full_name": {
      "value": "Matt Neam",
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Matt",
    "last_name": "Neam",
    "licensed_names": [
      {
        "name": "Matthew Neam",
        "name_with_middle_initial": "Matthew M. Neam",
        "first_name": "Matthew",
        "middle_initial": "M",
        "last_name": "Neam",
        "states": [
          "WY"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://www.vistabank.com/wp-content/uploads/2026/09/Matt_Neam_500X500-1.png",
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 465954,
      "lender_name": "NBH Bank",
      "lender_slug": "nbh-bank-465954",
      "branch_city": "Avon",
      "branch_state": "CO",
      "branch_zip": "81620",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.vistabank.com/banker/matt-neam/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 465954,
        "lender_name": "NBH Bank",
        "lender_slug": "nbh-bank-465954",
        "branch_city": "Avon",
        "branch_state": "CO",
        "branch_zip": "81620",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.vistabank.com/banker/matt-neam/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.vistabank.com/banker/matt-neam/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "WY",
        "license_type": "state_license",
        "license_number": "109930",
        "status": "inactive",
        "issued_at": "2026-05-26",
        "source": "state_regulator",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "verified_at": "2026-10-27",
        "confidence": "confirmed",
        "regulator": "wy"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://www.vistabank.com/banker/matt-neam/",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "University of Colorado alum",
        "source": "lender_site",
        "source_url": "https://www.vistabank.com/banker/matt-neam/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-27 17:34:27.627411+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/matt-neam-501333#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.vistabank.com/banker/matt-neam/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2026-05-26",
      "state": "WY"
    },
    "licensed_since": {
      "year": 2026,
      "state": "WY"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}