{
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    "canonical_url": "https://lendb.ai/lo/nick-fairbanks-30890",
    "md_url": "https://lendb.ai/lo/nick-fairbanks-30890.md",
    "json_url": "https://lendb.ai/lo/nick-fairbanks-30890.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/30890",
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
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      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Has 34 years of experience and says they focus on first-time buyers, investors, veterans and self-employed buyers in the Twin Cities, greater Minnesota and western Wisconsin. Reports helping over 8,000 Midwest clients secure financing.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
    "title": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
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      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
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    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
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      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Arden Hills",
      "branch_state": "MN",
      "branch_zip": "55112",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
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        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Arden Hills",
        "branch_state": "MN",
        "branch_zip": "55112",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      }
    ],
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        "license_number": null,
        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
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        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.64,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "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/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.4,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "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/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
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        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "34",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      },
      {
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        "value": "Twin Cities, greater MN, and western WI",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      },
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      },
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        "kind": "credential",
        "value": "President's Club Member",
        "source": "lender_site",
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        "verified_at": "2026-10-15"
      },
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "helped over 8,000 clients throughout the Midwest",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-fairbanks-30890",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 09:29:31.885759+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nick-fairbanks-30890#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/nick-fairbanks-30890",
      "verified_at": "2026-10-15"
    },
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    "licensed_since": null,
    "federal_registration": null
  }
}