{ "canonical_url": "https://lendb.ai/s/jumbo/colorado", "summary": "As of 2026-10-10, LenDb lists 58 loan officers licensed in or based in Colorado whose lender pages show Jumbo loan work. The top-ranked are Scott Cain (JPMorgan Chase Bank (Chase Home Lending), Lakewood), Darik Tolnay (CrossCountry Mortgage, Lakewood) and Michelle Muqtadir (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "jumbo", "state": "CO", "total": 58, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 65.3, "loan_officer": { "nmls_id": 777146, "slug": "scott-cain-777146", "full_name": "Scott Cain", "canonical_url": "https://lendb.ai/lo/scott-cain-777146", "json_url": "https://lendb.ai/lo/scott-cain-777146.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Lakewood", "state": "CO" }, "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 19, "licensed_since": { "year": 2007, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/co/lakewood/5076-s-wadsworth-blvd-hla-777146", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Lakewood, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100011768), verified 2026-10-10", "Licensed since 2007 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/scott-cain-777146", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100011768), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=149146&contact=234142" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 63.3, "loan_officer": { "nmls_id": 521445, "slug": "darik-tolnay-521445", "full_name": "Darik Tolnay", "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445", "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakewood", "state": "CO" }, "licensed_states": [ "AZ", "CO", "IN", "KS", "MO", "NM", "NV", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "CO" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100041853), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145022&contact=268157" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 143470, "slug": "michelle-muqtadir-143470", "full_name": "Michelle Muqtadir", "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "HI", "ID", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=313008&contact=542010" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 144907, "slug": "ron-riccitelli-jr-144907", "full_name": "Ron Riccitelli Jr", "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907", "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bel Air", "state": "MD" }, "licensed_states": [ "CO", "DE", "IN", "MD", "PA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100526513), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=275864&contact=498783" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.8, "loan_officer": { "nmls_id": 216357, "slug": "joshua-penland-216357", "full_name": "Josh Penland", "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "json_url": "https://lendb.ai/lo/joshua-penland-216357.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Round Rock", "state": "TX" }, "licensed_states": [ "FL", "CO", "KS", "NC", "NM", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 23, "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10", "Licensed since 2022 (per Colorado records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "license_check": { "state": "CO", "confidence": "confirmed", "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" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62.5, "loan_officer": { "nmls_id": 95809, "slug": "stephanie-o-farrell-95809", "full_name": "Stephanie O'Farrell", "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=237331&contact=172515" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=225962&contact=446020" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 61.8, "loan_officer": { "nmls_id": 190059, "slug": "brad-machamer-190059", "full_name": "Brad MacHamer", "canonical_url": "https://lendb.ai/lo/brad-machamer-190059", "json_url": "https://lendb.ai/lo/brad-machamer-190059.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CA", "CO" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 19, "licensed_since": { "year": 2007, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://xperthomelending.com/loan-directory/brad-machamer", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100018348), verified 2026-10-10", "Licensed since 2007 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/brad-machamer-190059", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100018348), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146731&contact=97957" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 60.8, "loan_officer": { "nmls_id": 724190, "slug": "mark-lyman-724190", "full_name": "Mark Lyman", "canonical_url": "https://lendb.ai/lo/mark-lyman-724190", "json_url": "https://lendb.ai/lo/mark-lyman-724190.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "licensed_states": [ "FL", "CO", "CA", "DC", "DE", "MD", "ME", "MI", "NY", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "CO" }, "years_experience": 22, "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/rockville/mark-lyman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100544691), verified 2026-10-10", "Licensed since 2026 (per Colorado records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-lyman-724190", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100544691), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=349087&contact=583958" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 59.8, "loan_officer": { "nmls_id": 436627, "slug": "katherine-davis-436627", "full_name": "Kay M. Davis", "canonical_url": "https://lendb.ai/lo/katherine-davis-436627", "json_url": "https://lendb.ai/lo/katherine-davis-436627.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Saint Clair", "state": "MI" }, "licensed_states": [ "FL", "AZ", "CO", "MI", "NE" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 35, "lender_profile_url": "https://www.uhm.com/loan-officers/kay-davis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo 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)" ], "canonical_url": "https://lendb.ai/lo/katherine-davis-436627", "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://www.uhm.com/loan-officers/kay-davis/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 59.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { 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