Loan programs · Colorado
Reverse mortgage loan officers in Colorado
As of 2026-10-09, LenDb lists 54 loan officers licensed in or based in Colorado whose lender pages show Reverse mortgage work. The top-ranked are Stacy Fridal (Guild Mortgage, Fort Collins), Troy Baldwin (Guild Mortgage, Fort Collins) and Ken Smith (Churchill Mortgage, Colorado Springs). 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
Stacy FridalNMLS 289577
Guild Mortgage · Fort Collins, CO · licensed in 4 states
- Reverse mortgage
- First-time buyer
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Troy BaldwinNMLS 2152192
Guild Mortgage · Fort Collins, CO · licensed in 3 states
- Reverse mortgage
- First-time buyer
- Down payment assistance
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Ken SmithNMLS 71162
Churchill Mortgage · Colorado Springs, CO · licensed in 6 states
- Reverse mortgage
- FHA loan
- VA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 23 years experience (stated on lender page, 2026-10-09)
- 4
John HarfertNMLS 300911
Loan Factory · Mortgage broker · Colorado
- Reverse mortgage
- FHA loan
- First-time buyer
- VA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 24 years experience (stated on lender page, 2026-10-09)
- 5
Mike GallagherNMLS 120703
CrossCountry Mortgage · Monterey, CA · licensed in 2 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- 6
Erik PattenNMLS 507517
Guild Mortgage · Boulder, CO · licensed in 9 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 9 years licensed
- 7
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- Reverse mortgage
- VA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- 8
Gregg ScharinNMLS 120297
CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 13 years licensed
- 9
Richard StewartNMLS 1428112
CrossCountry Mortgage · Greenwood Village, CO · licensed in 16 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 7 years licensed
- 10
Hilary PruittNMLS 284043
Guild Mortgage · Greenwood Village, CO · licensed in 3 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 2 years licensed
- 11
Dawn SchowalterNMLS 211115
Guild Mortgage · Richmond, VA · licensed in 13 states
- Reverse mortgage
- First-time buyer
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 11 years licensed
- 12
Christine JensenNMLS 244648
Fairway Independent Mortgage Corporation · Arvada, CO · licensed in 9 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 6 years licensed
- 13
Glenn GrantNMLS 117776
CrossCountry Mortgage · Naples, FL · licensed in 5 states
- Reverse mortgage
- Non-QM loan
- Real estate investor
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 14 years licensed
- 14
Jennifer ThompsonNMLS 240316
Guild Mortgage · Highlands Ranch, CO
- Reverse mortgage
- Down payment assistance
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 30 years experience (stated on lender page, 2026-10-09)
- 15
Dan ConnerNMLS 275929
Guild Mortgage · Greenwood Village, CO · licensed in 4 states
- Reverse mortgage
- First-time buyer
- Real estate investor
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 0 years licensed
- 16
Portia NoelNMLS 294962
Guild Mortgage · Boulder, CO
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 31 years experience (stated on lender page, 2026-10-09)
- 17
Jim KaiserNMLS 1721861
Guild Mortgage · Grand Junction, CO
- Reverse mortgage
- VA loan
- Down payment assistance
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 27 years experience (stated on lender page, 2026-10-09)
- 18
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Reverse mortgage
- Condo
- FHA loan
- First-time buyer
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 12 years licensed
- 19
Chris LeeNMLS 201715
Guild Mortgage · San Diego, CA · licensed in 14 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 20
Kenny RojasNMLS 1737404
Guild Mortgage · Clarksville, TN · licensed in 13 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 21
Earl RoseNMLS 212480
CrossCountry Mortgage · Bloomington, MN · licensed in 15 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 7 years licensed
- 22
Kathy BurnsNMLS 288457
CrossCountry Mortgage · Newport Beach, CA · licensed in 7 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 11 years licensed
- 23
Andrew AlmadaNMLS 1384143
Guild Mortgage · Greenwood Village, CO
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 4 years licensed
- 24
Robert WhiteNMLS 2002161
Guild Mortgage · San Diego, CA · licensed in 8 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 25
Leslie HeidNMLS 1252398
CrossCountry Mortgage · Newport Beach, CA · licensed in 10 states
- Reverse mortgage
- First-time buyer
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 10 years licensed
Before you choose
Counseling, financial assessment and heir considerations make reverse mortgages a specialty of their own.
- Are you a reverse mortgage specialist, and how many have you closed?
- What are the total costs, including mortgage insurance?
- What happens to the home for my heirs?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in CO or have a branch there. Then branch location, years licensed 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=reverse&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.