{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=vacation-home&state=CO",
  "filters": {
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    "limit": 10
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        "full_name": "Daniel Patrick Nacarato",
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          "state": "AZ"
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          "FL",
          "CO",
          "CA",
          "NV",
          "OR"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "state": "OR",
            "confidence": "lender_reported"
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        "specialties": [
          {
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        "licensed_since": {
          "year": 2021,
          "state": "CO"
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        "Earliest state license record: August 10, 2021 (Colorado), per state regulator",
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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          "state": "TX"
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          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "date": "2010-09-22",
          "state": "TX"
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        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10",
        "Earliest state license record: September 22, 2010 (Texas), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
      "license_check": {
        "state": "CO",
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        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=307196&contact=534994"
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        "vacation-home"
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      "score": 54,
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        "slug": "scott-forster-142038",
        "full_name": "Scott Forster",
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        "json_url": "https://lendb.ai/lo/scott-forster-142038.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
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        "branch": {
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          "state": "IN"
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          "CO"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-04-18",
          "state": "FL"
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        "licensed_since": {
          "year": 2023,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/in/fishers/9820-e-116th-st-hla-142038",
        "disciplinary_check": "not_checked"
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100536920), verified 2026-10-10",
        "Earliest state license record: April 18, 2023 (Florida), per state regulator"
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        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100536920), verified 2026-10-10",
        "verified_at": "2026-10-10",
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        "vacation-home"
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        "full_name": "Kellie Buchanan",
        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
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        "lender": {
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          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Angel Fire",
          "state": "NM"
        },
        "licensed_states": [
          "FL",
          "CO",
          "NM",
          "OK",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2012-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
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        "years_experience": 34,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-10",
        "Earliest state license record: January 6, 2012 (Texas), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=237132&contact=457085"
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        "vacation-home"
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      "score": 52.3,
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        "slug": "amber-garofalo-518359",
        "full_name": "Amber Garofalo",
        "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359",
        "json_url": "https://lendb.ai/lo/amber-garofalo-518359.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "White Bear Lake",
          "state": "MN"
        },
        "licensed_states": [
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          "CO",
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "slug": "investor",
            "evidence": "lender_page_text"
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          "date": "2021-09-03",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/",
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 3, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/"
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      "rank": 6,
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        "slug": "harrison-sangster-1832888",
        "full_name": "Harrison Sangster",
        "canonical_url": "https://lendb.ai/lo/harrison-sangster-1832888",
        "json_url": "https://lendb.ai/lo/harrison-sangster-1832888.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "city": "Lake Placid",
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          "CO",
          "NJ",
          "NY"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-02-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lake-placid-ny-4787/harrison-sangster/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Licensed in CO: confirmed with the Colorado regulator (license 100537825), verified 2026-10-10",
        "Earliest state license record: February 27, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/harrison-sangster-1832888",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100537825), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=322932&contact=554018"
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      "rank": 7,
      "score": 51.8,
      "loan_officer": {
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        "full_name": "Justin Noel",
        "canonical_url": "https://lendb.ai/lo/justin-noel-2126847",
        "json_url": "https://lendb.ai/lo/justin-noel-2126847.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Boulder",
          "state": "CO"
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        "licensed_states": [
          "CO",
          "CA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-01-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
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        "years_experience": 4,
        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/justin-noel-296-chjno.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Licensed in CO: confirmed with the Colorado regulator (license 100529681), verified 2026-10-10",
        "Earliest state license record: January 7, 2022 (Colorado), per state regulator",
        "States 4 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/justin-noel-2126847",
      "license_check": {
        "state": "CO",
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        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100529681), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=291093&contact=513392"
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      "score": 50.8,
      "loan_officer": {
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        "slug": "bryan-niklawski-240542",
        "full_name": "Bryan Niklawski",
        "canonical_url": "https://lendb.ai/lo/bryan-niklawski-240542",
        "json_url": "https://lendb.ai/lo/bryan-niklawski-240542.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
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        "branch": {
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          "state": "CO"
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        "licensed_states": [
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        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
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        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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}