{ "canonical_url": "https://lendb.ai/lang/es/colorado", "summary": "As of 2026-10-26, LenDb lists 30 loan officers licensed in or based in Colorado whose lender pages say they speak Spanish. The top-ranked are Eliseo Henry Pacheco (Loan Factory), Liliana Salmon-Salazar (Loan Haus LLC, Arvada) and Shelby Wardlaw (CrossCountry Mortgage, Loveland). Ranking is lender-neutral: a license in CO, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "CO", "total": 30, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 44.8, "loan_officer": { "nmls_id": 2306098, "slug": "eliseo-henry-pacheco-2306098", "full_name": "Eliseo Henry Pacheco", "licensed_names": [ { "name": "Eliseo Hipolito Pacheco", "name_with_middle_initial": "Eliseo Hipolito H. Pacheco", "first_name": "Eliseo Hipolito", "middle_initial": "H", "last_name": "Pacheco", "states": [ "CO" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/eliseo-henry-pacheco-2306098", "json_url": "https://lendb.ai/lo/eliseo-henry-pacheco-2306098.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CO" }, "headshot_url": "https://lh3.googleusercontent.com/TjUiS7VVQU28cb8sNKdkA_pNSo9F3dj0wUpAn16kiQlP5IEa_eQKHptrYBLzfnaz2eWB4G8eYA35byBUkEhn6CnZ7qM18ZSy2hn7", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-04-18", "state": "CO" }, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 28, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/eliseo-henry-pacheco-2306098", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Colorado", "Licensed in CO: confirmed with the Colorado regulator (license 100532325), verified 2026-10-16", "Earliest state license record: April 18, 2022 (Colorado), per state regulator", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eliseo-henry-pacheco-2306098", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100532325), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=298945&contact=525423" } }, { "rank": 2, "score": 42.8, "loan_officer": { "nmls_id": 501283, "slug": "liliana-salmon-501283", "full_name": "Liliana Salmon-Salazar", "licensed_names": [ { "name": "Liliana Salmon", "name_with_middle_initial": "Liliana M. Salmon", "first_name": "Liliana", "middle_initial": "M", "last_name": "Salmon", "states": [ "CO", "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/liliana-salmon-501283", "json_url": "https://lendb.ai/lo/liliana-salmon-501283.json", "lender": { "nmls_id": 2516874, "name": "Loan Haus LLC", "slug": "loan-haus-llc-2516874", "canonical_url": "https://lendb.ai/lender/loan-haus-llc-2516874", "type": "imb" }, "branch": { "city": "Arvada", "state": "CO" }, "headshot_url": "https://i0.wp.com/homeloanhaus.com/wp-content/uploads/2026/08/Liliana-Headshot-.jpg?fit=1024%2C1024&ssl=1", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2013-04-04", "state": "FL" }, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homeloanhaus.com/liliana-salmon/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Arvada, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100536027), verified 2026-10-16", "Earliest state license record: April 4, 2013 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/liliana-salmon-501283", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100536027), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=312547&contact=528592" } }, { "rank": 3, "score": 41.8, "loan_officer": { "nmls_id": 1458807, "slug": "shelby-wardlaw-1458807", "full_name": "Shelby Wardlaw", "licensed_names": [ { "name": "Shelby Wardlaw", "name_with_middle_initial": "Shelby R. Wardlaw", "first_name": "Shelby", "middle_initial": "R", "last_name": "Wardlaw", "states": [ "CO", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/shelby-wardlaw-1458807", "json_url": "https://lendb.ai/lo/shelby-wardlaw-1458807.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Loveland", "state": "CO" }, "headshot_url": "https://thevault.ccm.com/m/8a84df9c8df0f3e8/Website-5120_Wardlaw_1458807.jpg", "licensed_states": [ "CO", "ME", "NM", "WY" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-02-08", "state": "CO" }, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 11, "lender_profile_url": "https://crosscountrymortgage.com/loveland-co-5120/shelby-wardlaw/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Loveland, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100513489), verified 2026-10-16", "Earliest state license record: February 8, 2019 (Colorado), per state regulator", "States 11 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/shelby-wardlaw-1458807", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100513489), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=225410&contact=445417" } }, { "rank": 4, "score": 40.8, "loan_officer": { "nmls_id": 507517, "slug": "erik-patten-507517", "full_name": "Erik Patten", "licensed_names": [ { "name": "Erik Patten", "name_with_middle_initial": "Erik J. Patten", "first_name": "Erik", "middle_initial": "J", "last_name": "Patten", "states": [ "CA", "CO", "FL", "IA", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/erik-patten-507517", "json_url": "https://lendb.ai/lo/erik-patten-507517.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Boulder", "state": "CO" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hpep-erik-patten.jpg", "licensed_states": [ "CO", "TX", "CA", "IA", "OR", "KS", "MN", "OK", "WY" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-08-24", "state": "CO" }, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Boulder, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100508454), verified 2026-10-16", "Earliest state license record: August 24, 2017 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/erik-patten-507517", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100508454), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=203838&contact=422240" } }, { "rank": 5, "score": 40, "loan_officer": { "nmls_id": 770100, "slug": "carlos-banuelos-770100", "full_name": "Carlos Banuelos", "licensed_names": [ { "name": "Carlos Banuelos", "name_with_middle_initial": "Carlos O. Banuelos", "first_name": "Carlos", "middle_initial": "O", "last_name": "Banuelos", "states": [ "CO" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/carlos-banuelos-770100", "json_url": "https://lendb.ai/lo/carlos-banuelos-770100.json", "lender": { "nmls_id": 2516874, "name": "Loan Haus LLC", "slug": "loan-haus-llc-2516874", "canonical_url": "https://lendb.ai/lender/loan-haus-llc-2516874", "type": "imb" }, "branch": { "city": "Arvada", "state": "CO" }, "headshot_url": "https://i0.wp.com/homeloanhaus.com/wp-content/uploads/2026/08/Carlos-Banuelos.jpg?fit=1024%2C972&ssl=1", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2017-02-10", "state": "CO" }, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://homeloanhaus.com/carlos-banuelos/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Arvada, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100506284), verified 2026-10-16", "Earliest state license record: February 10, 2017 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/carlos-banuelos-770100", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100506284), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=193274&contact=219451" } }, { "rank": 6, "score": 40, "loan_officer": { "nmls_id": 1075304, "slug": "anel-rodriguez-1075304", "full_name": "Anel Rodriguez", "licensed_names": [ { "name": "Anel Rodriguez", "name_with_middle_initial": "Anel R. Rodriguez", "first_name": "Anel", "middle_initial": "R", "last_name": "Rodriguez", "states": [ "CO", "FL", "IA", "NY" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/anel-rodriguez-1075304", "json_url": "https://lendb.ai/lo/anel-rodriguez-1075304.json", "lender": { "nmls_id": 2516874, "name": "Loan Haus LLC", "slug": "loan-haus-llc-2516874", "canonical_url": "https://lendb.ai/lender/loan-haus-llc-2516874", "type": "imb" }, "branch": { "city": "Arvada", "state": "CO" }, "headshot_url": "https://i0.wp.com/homeloanhaus.com/wp-content/uploads/2025/02/Anel-Rodriguez-modified.png?fit=524%2C524&ssl=1", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2018-08-08", "state": "CO" }, "licensed_since": { "year": 2018, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://homeloanhaus.com/anel-rodriguez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Arvada, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100512007), verified 2026-10-16", "Earliest state license record: August 8, 2018 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/anel-rodriguez-1075304", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100512007), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=216378&contact=435845" } }, { "rank": 7, "score": 38.8, "loan_officer": { "nmls_id": 2140985, "slug": "gustavo-abraham-2140985", "full_name": "Gustavo Abraham", "licensed_names": [ { "name": "Gustavo Abraham", "name_with_middle_initial": "Gustavo D. Abraham", "first_name": "Gustavo", "middle_initial": "D", "last_name": "Abraham", "states": [ "CO" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/gustavo-abraham-2140985", "json_url": "https://lendb.ai/lo/gustavo-abraham-2140985.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakewood", "state": "CO" }, "headshot_url": "https://thevault.ccm.com/asset/ec140d66-966c-4505-956e-a85965969163/Website/5129_Abraham_2140985.jpg", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-08-11", "state": "CO" }, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5129/gustavo-abraham/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Lakewood, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100526405), verified 2026-10-16", "Earliest state license record: August 11, 2021 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/gustavo-abraham-2140985", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100526405), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=280047&contact=503137" } }, { "rank": 8, "score": 38, "loan_officer": { "nmls_id": 2054598, "slug": "sergio-landeros-2054598", "full_name": "Sergio Landeros", "canonical_url": "https://lendb.ai/lo/sergio-landeros-2054598", "json_url": "https://lendb.ai/lo/sergio-landeros-2054598.json", "lender": { "nmls_id": 2516874, "name": "Loan Haus LLC", "slug": "loan-haus-llc-2516874", "canonical_url": "https://lendb.ai/lender/loan-haus-llc-2516874", "type": "imb" }, "branch": { "city": "Arvada", "state": "CO" }, "headshot_url": "https://i0.wp.com/homeloanhaus.com/wp-content/uploads/2023/12/Sitting-Headshot-1-683x1024-modified.png?fit=651%2C651&ssl=1", "licensed_states": [ "TX", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2021-03-30", "state": "TX" }, "licensed_since": { "year": 2021, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://homeloanhaus.com/sergio-landeros/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Arvada, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100538012), verified 2026-10-16", "Earliest state license record: March 30, 2021 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sergio-landeros-2054598", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100538012), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=322483&contact=553509" } }, { "rank": 9, "score": 37.3, "loan_officer": { "nmls_id": 2445533, "slug": "omar-vazquez-2445533", "full_name": "Omar Vazquez", "licensed_names": [ { "name": "Omar Vazquez", "name_with_middle_initial": "Omar A. Vazquez", "first_name": "Omar", "middle_initial": "A", "last_name": "Vazquez", "states": [ "CO" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/omar-vazquez-2445533", "json_url": "https://lendb.ai/lo/omar-vazquez-2445533.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Grand Junction", "state": "CO" }, "headshot_url": "https://thevault.ccm.com/asset/d66f6f6b-b6ef-4d30-b6e9-5347d58c0a10/Website/5142_Vazquez_2445533.jpg", "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-05-21", "state": "CO" }, "licensed_since": { "year": 2024, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/grand-junction-co-5142/omar-vazquez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Grand Junction, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100539044), verified 2026-10-16", "Earliest state license record: May 21, 2024 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/omar-vazquez-2445533", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100539044), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=317031&contact=546495" } }, { "rank": 10, "score": 37.3, "loan_officer": { "nmls_id": 2478021, "slug": "isa-bryant-2478021", "full_name": "Isa Bryant", "licensed_names": [ { "name": "Isa Bryant", "name_with_middle_initial": "Isa G. 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