{
  "canonical_url": "https://lendb.ai/lo/matthew-falconer-380797",
  "loan_officer": {
    "nmls_id": 380797,
    "slug": "matthew-falconer-380797",
    "canonical_url": "https://lendb.ai/lo/matthew-falconer-380797",
    "md_url": "https://lendb.ai/lo/matthew-falconer-380797.md",
    "json_url": "https://lendb.ai/lo/matthew-falconer-380797.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/380797",
    "full_name": {
      "value": "Matthew Falconer",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "first_name": "Matthew",
    "last_name": "Falconer",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/KeFA6BhUIbt4Vm2cqBRDIyFier-SlsGEFN3AICcd6cY/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Matthew Falconer has 25 years in mortgage lending, serving clients in Santa Cruz County, the Greater Bay Area, Sacramento Tri-County Area, Sonoma County and Monterey County. They focus on jumbo, first-time buyer and investor loans.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "languages": {
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      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
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    "years_experience": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Capitola",
      "branch_state": "CA",
      "branch_zip": "95010",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
      "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": "Capitola",
        "branch_state": "CA",
        "branch_zip": "95010",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.52,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.19,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "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/matthew-falconer-70365019/",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Santa Cruz County, Greater Bay Area, Sacramento Tri-County Area, Sonoma County, Monterey County",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Recognized among the top 1% of mortgage professionals nationally since 2014",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "President of the Education Committee at a local Realtor association",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Board member of Rotary",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Coaches numerous youth sports programs",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Has helped approximately 1,000 clients",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/matthew-falconer-380797",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 11:15:00.312152+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/matthew-falconer-380797#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/matthew-falconer-380797",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}