{
  "canonical_url": "https://lendb.ai/lo/matthew-fox-151022",
  "loan_officer": {
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    "slug": "matthew-fox-151022",
    "canonical_url": "https://lendb.ai/lo/matthew-fox-151022",
    "md_url": "https://lendb.ai/lo/matthew-fox-151022.md",
    "json_url": "https://lendb.ai/lo/matthew-fox-151022.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/151022",
    "full_name": {
      "value": "Matthew Fox",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Matthew",
    "last_name": "Fox",
    "headshot_url": {
      "value": "https://fhmtg.com/wp-content/uploads/2025/11/Matthew_Fox_500.png",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Matthew Fox is a Senior Loan Officer at First Heritage Mortgage's Hanover, MD branch with extensive industry expertise. He helps homebuyers and homeowners navigate lending with a client-first approach and offers conventional, FHA, VA, jumbo, and renovation loans.",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 11,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 86548,
      "lender_name": "First Heritage Mortgage",
      "lender_slug": "first-heritage-mortgage-86548",
      "branch_city": "Hanover",
      "branch_state": "MD",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://fhmtg.com/officers/matthew-fox/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 86548,
        "lender_name": "First Heritage Mortgage",
        "lender_slug": "first-heritage-mortgage-86548",
        "branch_city": "Hanover",
        "branch_state": "MD",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://fhmtg.com/officers/matthew-fox/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO28234",
        "status": "inactive",
        "issued_at": "2015-01-29",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "WV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/matthew-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 14:56:17.212161+00",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/matthew-fox-151022#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://fhmtg.com/officers/matthew-fox/",
      "verified_at": "2026-10-09"
    }
  }
}