---
canonical_url: https://lendb.ai/s/jumbo/colorado
last_verified: 2026-10-09
---

# Jumbo loan officers in Colorado

As of 2026-10-09, LenDb lists 79 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.

## Ranked, with reasons

1. **[Scott Cain](https://lendb.ai/lo/scott-cain-777146)** (NMLS 777146), JPMorgan Chase Bank (Chase Home Lending), Lakewood, CO
   - 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 2026-10-09
   - Licensed since 2007 (per Colorado records)
2. **[Darik Tolnay](https://lendb.ai/lo/darik-tolnay-521445)** (NMLS 521445), CrossCountry Mortgage, Lakewood, CO
   - 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 2026-10-09
   - Licensed since 2013 (per Colorado records)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-09
   - Licensed since 2011 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
5. **[Mark Lyman](https://lendb.ai/lo/mark-lyman-724190)** (NMLS 724190), Embrace Home Loans, Rockville, MD
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100544691), verified 2026-10-09
   - Licensed since 2026 (per Colorado records)
   - States 22 years of experience (lender page, 2026-10-09)
6. **[Ron Riccitelli Jr](https://lendb.ai/lo/ron-riccitelli-jr-144907)** (NMLS 144907), CrossCountry Mortgage, Bel Air, MD
   - 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)
   - States 21 years of experience (lender page, 2026-10-09)
7. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - 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 2025 (per Florida records)
   - States 23 years of experience (lender page, 2026-10-09)
8. **[Kay M. Davis](https://lendb.ai/lo/katherine-davis-436627)** (NMLS 436627), Union Home Mortgage, Saint Clair, MI
   - 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)
9. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA
   - 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 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
10. **[Christopher Albanese](https://lendb.ai/lo/christopher-albanese-63768)** (NMLS 63768), CrossCountry Mortgage, Durango, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Durango, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100539588), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
11. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO
   - Lists Jumbo 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 2026-10-09
   - Licensed since 2016 (per Colorado records)
12. **[Kathryn Pedersen](https://lendb.ai/lo/kathryn-pedersen-223884)** (NMLS 223884), CrossCountry Mortgage, Steamboat Springs, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Steamboat Springs, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100033811), verified 2026-10-09
   - Licensed since 2010 (per Colorado records)
   - States 25 years of experience (lender page, 2026-10-09)
13. **[Vickie Newman](https://lendb.ai/lo/vickie-newman-493951)** (NMLS 493951), Guild Mortgage, Greenwood Village, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Greenwood Village, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100037193), verified 2026-10-09
   - Licensed since 2011 (per Colorado records)
   - States 30 years of experience (lender page, 2026-10-09)
14. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100503676), verified 2026-10-09
   - Licensed since 2016 (per Colorado records)
   - States 10 years of experience (lender page, 2026-10-09)
15. **[Derek Barlow](https://lendb.ai/lo/derek-barlow-1544410)** (NMLS 1544410), First Heritage Mortgage, Denver, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Denver, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100522730), verified 2026-10-09
   - Licensed since 2021 (per Colorado records)
16. **[Jackson Thomas](https://lendb.ai/lo/jackson-thomas-1190420)** (NMLS 1190420), CrossCountry Mortgage, Dallas, TX
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100508054), verified 2026-10-09
   - Licensed since 2017 (per Colorado records)
17. **[Casey Sean Oiness](https://lendb.ai/lo/casey-oiness-265169)** (NMLS 265169), Guild Mortgage, Bellevue, WA
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514458), verified 2026-10-09
   - Licensed since 2019 (per Colorado records)
18. **[Justin Noel](https://lendb.ai/lo/justin-noel-2126847)** (NMLS 2126847), Guild Mortgage, Boulder, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Boulder, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100529681), verified 2026-10-09
   - Licensed since 2022 (per Colorado records)
   - States 4 years of experience (lender page, 2026-10-09)
19. **[Ghassan Kanafani](https://lendb.ai/lo/ghassan-kanafani-223200)** (NMLS 223200), CrossCountry Mortgage, Denver, CO
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Office in Denver, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100028653), verified 2026-10-09
   - Licensed since 2009 (per Colorado records)
20. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100545639), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
21. **[John Noldan](https://lendb.ai/lo/john-noldan-193680)** (NMLS 193680), CrossCountry Mortgage, Elmhurst, IL
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100529481), verified 2026-10-09
   - Licensed since 2021 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
22. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100534512), verified 2026-10-09
   - Licensed since 2022 (per Colorado records)
23. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100523788), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
24. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100514806), verified 2026-10-09
   - Licensed since 2017 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
25. **[Arlo Zoerner](https://lendb.ai/lo/arlo-zoerner-293974)** (NMLS 293974), CrossCountry Mortgage, Walnut Creek, CA
   - Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100545251), verified 2026-10-09
   - Licensed since 2026 (per Colorado records)
   - States 24 years of experience (lender page, 2026-10-09)

## Questions to ask

- What reserves and credit score do your jumbo programs require?
- Do you offer interest-only or ARM jumbo options?
- Can you do a jumbo with less than 20 percent down?

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

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