{
  "canonical_url": "https://lendb.ai/lo/matthew-adams-290134",
  "lede": {
    "text": "Matthew Adams, NMLS 290134, works as a Mortgage Loan Officer at Bell Bank in Woodbury, Minnesota. Matthew's lender page shows a focus on construction loan, jumbo loan and FHA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Matthew licensed?",
      "a": "Matthew 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": "2026-10-16"
    },
    {
      "q": "Does Matthew do construction loans?",
      "a": "Matthew's profile lists construction loan as a focus (from their lender profile page). It also lists jumbo loan, FHA loan and USDA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Matthew work for?",
      "a": "Bell Bank, company NMLS 419538, from the Woodbury, MN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Matthew been licensed?",
      "a": "The earliest state license record LenDb holds for Matthew is from December 10, 2003 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Matthew states 20 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 290134,
    "slug": "matthew-adams-290134",
    "canonical_url": "https://lendb.ai/lo/matthew-adams-290134",
    "md_url": "https://lendb.ai/lo/matthew-adams-290134.md",
    "json_url": "https://lendb.ai/lo/matthew-adams-290134.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/290134",
    "full_name": {
      "value": "Matthew Adams",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "first_name": "Matthew",
    "last_name": "Adams",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/matt-adams/matthew-adams.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Matthew Adams is a Mortgage Loan Officer in Woodbury, MN. They say they have worked with customers on mortgages for just over 20 years. They are a Homes For Heroes Mortgage Lender Affiliate.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Woodbury",
      "branch_state": "MN",
      "branch_zip": "55125",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Woodbury",
        "branch_state": "MN",
        "branch_zip": "55125",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "11789",
        "status": "expired",
        "issued_at": "2003-12-10",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.45,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Homes For Heroes Mortgage Lender Affiliate",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Supports local schools and youth programs",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Runs and supports fundraising events throughout the year",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/matthewadams",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/matthew-adams-290134#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://bell.bank/mortgage/loan-officer/matthewadams",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2003-12-10",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2003,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}