---
canonical_url: https://lendb.ai/s/fha/colorado
last_verified: 2026-10-10
---

# FHA loan officers in Colorado

As of 2026-10-10, LenDb lists 77 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.

## Ranked, with reasons

1. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Colorado Springs, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100012861), verified 2026-10-10
   - Licensed since 2007 (per Colorado records)
   - States 25 years of experience (lender page, 2026-10-09)
2. **[Darik Tolnay](https://lendb.ai/lo/darik-tolnay-521445)** (NMLS 521445), CrossCountry Mortgage, Lakewood, CO
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Lakewood, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100041853), verified 2026-10-10
   - Licensed since 2013 (per Colorado records)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[Ron Riccitelli Jr](https://lendb.ai/lo/ron-riccitelli-jr-144907)** (NMLS 144907), CrossCountry Mortgage, Bel Air, MD
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100526513), verified 2026-10-10
   - Licensed since 2021 (per Colorado records)
   - States 21 years of experience (lender page, 2026-10-09)
4. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100545790), verified 2026-10-10
   - Licensed since 2023 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
5. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-10
   - Licensed since 2011 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
6. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-10
   - Licensed since 2018 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
7. **[Tony Gatliff](https://lendb.ai/lo/anthony-gatliff-441507)** (NMLS 441507), Mutual of Omaha Mortgage, Grosse Pointe, MI
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100516135), verified 2026-10-10
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
8. **[Morgan Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100044050), verified 2026-10-10
   - Licensed since 2013 (per Colorado records)
   - States 18 years of experience (lender page, 2026-10-09)
9. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-10
   - Licensed since 2021 (per Florida records)
   - States 17 years of experience (lender page, 2026-10-09)
10. **[Kadeth Tun](https://lendb.ai/lo/kadeth-tun-357732)** (NMLS 357732), Loan Factory
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100528189), verified 2026-10-10
   - Licensed since 2015 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
11. **[Kristopher Derewal](https://lendb.ai/lo/kristopher-derewal-133750)** (NMLS 133750), Newrez, Fort Washington, PA
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100034997), verified 2026-10-10
   - Licensed since 2011 (per Colorado records)
12. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH
   - Lists FHA loan 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)
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
13. **[Kay M. Davis](https://lendb.ai/lo/katherine-davis-436627)** (NMLS 436627), Union Home Mortgage, Saint Clair, MI
   - Lists FHA loan 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)
   - Licensed since 2017 (per Florida records)
   - States 35 years of experience (lender page, 2026-10-09)
14. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI
   - Lists FHA loan 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)
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
15. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending
   - Lists FHA loan 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)
   - Licensed since 2022 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
16. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100537070), verified 2026-10-10
   - Licensed since 2023 (per Colorado records)
   - States 12 years of experience (lender page, 2026-10-09)
17. **[Michael Alan Wendorf](https://lendb.ai/lo/michael-wendorf-109568)** (NMLS 109568), Newrez, Columbia, MD
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100511619), verified 2026-10-10
   - Licensed since 2015 (per Florida records)
18. **[Bethany Chandler](https://lendb.ai/lo/bethany-chandler-767430)** (NMLS 767430), CrossCountry Mortgage, Englewood, CO
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Englewood, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100528784), verified 2026-10-10
   - Licensed since 2021 (per Florida records)
19. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100538383), verified 2026-10-10
   - Licensed since 2024 (per Colorado records)
   - States 30 years of experience (lender page, 2026-10-09)
20. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Thornton, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100503110), verified 2026-10-10
   - Licensed since 2016 (per Colorado records)
21. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100503676), verified 2026-10-10
   - Licensed since 2016 (per Colorado records)
   - States 10 years of experience (lender page, 2026-10-09)
22. **[Jake Longhta](https://lendb.ai/lo/jacob-longhta-1595726)** (NMLS 1595726), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100510727), verified 2026-10-10
   - Licensed since 2018 (per Colorado records)
   - States 10 years of experience (lender page, 2026-10-09)
23. **[Debbie Laney](https://lendb.ai/lo/debbie-laney-228108)** (NMLS 228108), Xpert Home Lending, CO
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100011043), verified 2026-10-10
   - Licensed since 2006 (per Colorado records)
24. **[Jackson Thomas](https://lendb.ai/lo/jackson-thomas-1190420)** (NMLS 1190420), CrossCountry Mortgage, Dallas, TX
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100508054), verified 2026-10-10
   - Licensed since 2017 (per Colorado records)
25. **[Ryan Nicholas Magnus](https://lendb.ai/lo/ryan-magnus-1638730)** (NMLS 1638730), Newrez, Fort Washington, PA
   - Lists FHA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100508359), verified 2026-10-10
   - Licensed since 2017 (per Colorado records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/fha/colorado.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._