{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/colorado",
  "summary": "As of 2026-10-10, LenDb lists 104 loan officers licensed in or based in Colorado whose lender pages show First-time buyer work. The top-ranked are Dan Conner (Guild Mortgage, Greenwood Village), Stacy Fridal (Guild Mortgage, Fort Collins) and Rebecca B. Hansen (Guild Mortgage, Centennial). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "CO",
  "total": 104,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 275929,
        "slug": "daniel-conner-275929",
        "full_name": "Dan Conner",
        "canonical_url": "https://lendb.ai/lo/daniel-conner-275929",
        "json_url": "https://lendb.ai/lo/daniel-conner-275929.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-09-14",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/dan-conner-683-chdco.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100018919), verified 2026-10-10",
        "Earliest state license record: September 14, 2007 (Colorado), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-conner-275929",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100018919), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146506&contact=177187"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 289577,
        "slug": "stacy-fridal-289577",
        "full_name": "Stacy Fridal",
        "canonical_url": "https://lendb.ai/lo/stacy-fridal-289577",
        "json_url": "https://lendb.ai/lo/stacy-fridal-289577.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Collins",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "FL",
          "MO",
          "WY"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-10-06",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2008,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/stacy-fridal-629-chsf.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Collins, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100026414), verified 2026-10-10",
        "Earliest state license record: October 6, 2008 (Colorado), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/stacy-fridal-289577",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100026414), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139976&contact=258360"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 319830,
        "slug": "rebecca-b-hansen-319830",
        "full_name": "Rebecca B. Hansen",
        "canonical_url": "https://lendb.ai/lo/rebecca-b-hansen-319830",
        "json_url": "https://lendb.ai/lo/rebecca-b-hansen-319830.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Centennial",
          "state": "CO"
        },
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-08-13",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/co/centennial/rebecca-hansen-870-derh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Centennial, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100017951), verified 2026-10-10",
        "Earliest state license record: August 13, 2007 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rebecca-b-hansen-319830",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100017951), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146805&contact=185041"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-01-25",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer 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",
        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100012861), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=147151&contact=362833"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 631654,
        "slug": "aubrey-poulson-631654",
        "full_name": "Aubrey Poulson",
        "canonical_url": "https://lendb.ai/lo/aubrey-poulson-631654",
        "json_url": "https://lendb.ai/lo/aubrey-poulson-631654.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Grand Junction",
          "state": "CO"
        },
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-07-14",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/co/grandjunction/aubrey-poulson-724-dtap.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Grand Junction, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100036363), verified 2026-10-10",
        "Earliest state license record: July 14, 2011 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aubrey-poulson-631654",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100036363), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=156711&contact=175987"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 2152192,
        "slug": "troy-baldwin-2152192",
        "full_name": "Troy Baldwin",
        "canonical_url": "https://lendb.ai/lo/troy-baldwin-2152192",
        "json_url": "https://lendb.ai/lo/troy-baldwin-2152192.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Collins",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "CA",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/troy-baldwin-629-hptb.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Collins, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100525094), verified 2026-10-10",
        "Earliest state license record: June 15, 2021 (Colorado), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/troy-baldwin-2152192",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100525094), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=275951&contact=498856"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 65.5,
      "loan_officer": {
        "nmls_id": 300911,
        "slug": "john-harfert-300911",
        "full_name": "John Harfert",
        "canonical_url": "https://lendb.ai/lo/john-harfert-300911",
        "json_url": "https://lendb.ai/lo/john-harfert-300911.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CO"
        },
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2006-12-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2006,
          "state": "CO"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-harfert-300911",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Colorado",
        "Licensed in CO: confirmed with the Colorado regulator (license 100009706), verified 2026-10-10",
        "Earliest state license record: December 7, 2006 (Colorado), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-harfert-300911",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100009706), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146813&contact=181700"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 63.8,
      "loan_officer": {
        "nmls_id": 401213,
        "slug": "torrie-barr-401213",
        "full_name": "Torrie Barr",
        "canonical_url": "https://lendb.ai/lo/torrie-barr-401213",
        "json_url": "https://lendb.ai/lo/torrie-barr-401213.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Collins",
          "state": "CO"
        },
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-03-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2011,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/torrie-barr-629-hptba.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Collins, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100034846), verified 2026-10-10",
        "Earliest state license record: March 7, 2011 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/torrie-barr-401213",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100034846), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=138511&contact=239703"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 63.3,
      "loan_officer": {
        "nmls_id": 501323,
        "slug": "cheri-west-501323",
        "full_name": "Cheri West",
        "canonical_url": "https://lendb.ai/lo/cheri-west-501323",
        "json_url": "https://lendb.ai/lo/cheri-west-501323.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Centennial",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "ID",
          "NM",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
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}