---
canonical_url: https://lendb.ai/lo/matthew-falconer-380797
json_url: https://lendb.ai/lo/matthew-falconer-380797.json
nmls_id: 380797
last_verified: 2026-10-15
---

# Matthew Falconer

Branch Manager at Guaranteed Rate Affinity, LLC, Capitola, CA. NMLS ID 380797 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/380797)).

**Summary:** Matthew Falconer (NMLS 380797) is Branch Manager at Guaranteed Rate Affinity, LLC, based in Capitola, CA. Focus areas shown on the lender page: Jumbo loan, Real estate investor, Self-employed and First-time buyer. States 25 years of experience. Last verified 2026-10-15.

## 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.
- Years experience (stated by the LO): 25 (source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15)
- Licensed in: no license list on file; check NMLS Consumer Access
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.52, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.19, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797

## About

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: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- service_area: Santa Cruz County, Greater Bay Area, Sacramento Tri-County Area, Sonoma County, Monterey County. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- credential: Recognized among the top 1% of mortgage professionals nationally since 2014. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- community: President of the Education Committee at a local Realtor association. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- community: Board member of Rotary. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- community: Coaches numerous youth sports programs. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.
- other: Has helped approximately 1,000 clients. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Capitola, CA. Source: https://www.grarate.com/loan-officers/matthew-falconer-380797, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/380797

## Contact

- linkedin_url: https://www.linkedin.com/in/matthew-falconer-70365019/ (source: lender_site, verified 2026-10-15)
- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/matthew-falconer-380797
- Office phone and Email on file: shown at https://lendb.ai/lo/matthew-falconer-380797#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/380797
- lender_site: https://www.grarate.com/loan-officers/matthew-falconer-380797
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Matthew Falconer (NMLS 380797), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/matthew-falconer-380797, last verified 2026-10-15.

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