Loan programs · Colorado

FHA loan officers in Colorado

As of 2026-10-10, LenDb lists 76 loan officers licensed in or based in Colorado whose lender pages show FHA loan work. The top-ranked are Jay Garvens (Churchill Mortgage, Colorado Springs), Darik Tolnay (CrossCountry Mortgage, Lakewood) and Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Jay GarvensNMLS 368259

    Churchill Mortgage · Colorado Springs, CO · licensed in 11 states

    • FHA loan
    • First-time buyer
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100012861), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Colorado Springs, CO
    • Licensed since 2007 (per Colorado records)
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Darik TolnayNMLS 521445

    CrossCountry Mortgage · Lakewood, CO · licensed in 8 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100041853), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Lakewood, CO
    • Licensed since 2013 (per Colorado records)
    • States 15 years of experience (lender page, 2026-10-09)
  3. 3

    Ron Riccitelli JrNMLS 144907

    CrossCountry Mortgage · Bel Air, MD · licensed in 5 states

    • FHA loan
    • Jumbo loan
    • USDA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100526513), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
    • States 21 years of experience (lender page, 2026-10-09)
  4. 4

    Domonique GrayNMLS 900558

    Churchill Mortgage · Brentwood, TN · licensed in 31 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100545790), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  5. 5

    Stephanie O'FarrellNMLS 95809

    Mutual of Omaha Mortgage · Overland Park, KS · licensed in 2 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  6. 6

    Kim ShueyNMLS 410338

    Mutual of Omaha Mortgage · Overland Park, KS · licensed in 2 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Tony GatliffNMLS 441507

    Mutual of Omaha Mortgage · Grosse Pointe, MI · licensed in 2 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100516135), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  8. 8

    Morgan CowleNMLS 40312

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100044050), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Colorado records)
    • States 18 years of experience (lender page, 2026-10-09)
  9. 9

    Craig CusickNMLS 210381

    Fairway Independent Mortgage Corporation · Phoenix, AZ · licensed in 7 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 17 years of experience (lender page, 2026-10-09)
  10. 10

    Kadeth TunNMLS 357732

    Loan Factory · Mortgage broker · licensed in 3 states

    • FHA loan
    • Self-employed
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100528189), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  11. 11

    Kristopher DerewalNMLS 133750

    Newrez · Fort Washington, PA · licensed in 4 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100034997), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Colorado records)
  12. 12

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • FHA loan
    • VA loan
    • First-time buyer
    • HELOC
    • CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  13. 13

    Kay M. DavisNMLS 436627

    Union Home Mortgage · Saint Clair, MI · licensed in 5 states

    • FHA loan
    • Jumbo loan
    • New construction
    • VA loan
    • CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 35 years of experience (lender page, 2026-10-09)
  14. 14

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  15. 15

    Bruce GibsonNMLS 501286

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • FHA loan
    • HELOC
    • Real estate investor
    • Reverse mortgage
    • CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 28 years of experience (lender page, 2026-10-09)
  16. 16

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Self-employed
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100537070), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)
    • States 12 years of experience (lender page, 2026-10-09)
  17. 17

    Michael Alan WendorfNMLS 109568

    Newrez · Columbia, MD · licensed in 9 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100511619), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Florida records)
  18. 18

    Bethany ChandlerNMLS 767430

    CrossCountry Mortgage · Englewood, CO · licensed in 2 states

    • FHA loan
    • First-time buyer
    • New construction
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100528784), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Englewood, CO
    • Licensed since 2021 (per Florida records)
  19. 19

    Devin FahrnerNMLS 399405

    American Pacific Mortgage · Eagle, ID · licensed in 17 states

    • FHA loan
    • VA loan
    • First-time buyer
    • Real estate investor
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100538383), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Colorado records)
    • States 30 years of experience (lender page, 2026-10-09)
  20. 20

    Lenae VandegriftNMLS 649456

    American Pacific Mortgage · Thornton, CO · licensed in 10 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Self-employed
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100503110), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Thornton, CO
    • Licensed since 2016 (per Colorado records)
  21. 21

    Alexis VargaNMLS 1473179

    CrossCountry Mortgage · Chicago, IL · licensed in 12 states

    • FHA loan
    • Jumbo loan
    • USDA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100503676), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
    • States 10 years of experience (lender page, 2026-10-09)
  22. 22

    Jake LonghtaNMLS 1595726

    Mutual of Omaha Mortgage · Overland Park, KS · licensed in 2 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100510727), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Colorado records)
    • States 10 years of experience (lender page, 2026-10-09)
  23. 23

    Debbie LaneyNMLS 228108

    Xpert Home Lending · Mortgage broker · Colorado

    • FHA loan
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100011043), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Colorado
    • Licensed since 2006 (per Colorado records)
  24. 24

    Jackson ThomasNMLS 1190420

    CrossCountry Mortgage · Dallas, TX · licensed in 21 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100508054), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Colorado records)
  25. 25

    Ryan Nicholas MagnusNMLS 1638730

    Newrez · Fort Washington, PA · licensed in 6 states

    • FHA loan
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100508359), verified 2026-10-10
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Colorado records)

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CO license is confirmed with the state regulator (check mark), CO is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=fha&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.