{
  "canonical_url": "https://lendb.ai/s/reverse/colorado",
  "summary": "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 Hilary Pruitt (Guild Mortgage, Greenwood Village), Stacy Fridal (Guild Mortgage, Fort Collins) and Troy Baldwin (Guild Mortgage, Fort Collins). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "CO",
  "total": 54,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 284043,
        "slug": "hilary-pruitt-284043",
        "full_name": "Hilary Pruitt",
        "canonical_url": "https://lendb.ai/lo/hilary-pruitt-284043",
        "json_url": "https://lendb.ai/lo/hilary-pruitt-284043.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",
          "NV"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 34,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/hilary-pruitt-790-chhp.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100018228), verified 2026-10-09",
        "Licensed since 2007 (per Colorado records)",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hilary-pruitt-284043",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100018228), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=150756&contact=156483"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "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": 18,
        "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 Reverse mortgage 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 2026-10-09",
        "Licensed since 2008 (per Colorado records)",
        "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 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139976&contact=258360"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "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": 5,
        "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 Reverse mortgage 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 2026-10-09",
        "Licensed since 2021 (per Colorado records)",
        "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 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=275951&contact=498856"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 211115,
        "slug": "dawn-schowalter-211115",
        "full_name": "Dawn Schowalter",
        "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
        "json_url": "https://lendb.ai/lo/dawn-schowalter-211115.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "CA",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/dawn-schowalter-613-chdsc.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100512491), verified 2026-10-09",
        "Licensed since 2015 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100512491), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=223916&contact=443745"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 212480,
        "slug": "earl-rose-212480",
        "full_name": "Earl Rose",
        "canonical_url": "https://lendb.ai/lo/earl-rose-212480",
        "json_url": "https://lendb.ai/lo/earl-rose-212480.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bloomington",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "PA",
          "SD",
          "TX",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 45,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-3618/earl-rose/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100539161), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)",
        "States 45 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/earl-rose-212480",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100539161), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=176001&contact=388719"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 62.8,
      "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": "lender_reported"
          },
          {
            "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": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/dan-conner-683-chdco.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Office in Greenwood Village, CO",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-conner-275929",
      "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://branches.guildmortgage.com/co/greenwoodvillage/dan-conner-683-chdco.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 62,
      "loan_officer": {
        "nmls_id": 244648,
        "slug": "christine-jensen-244648",
        "full_name": "Christine Jensen",
        "canonical_url": "https://lendb.ai/lo/christine-jensen-244648",
        "json_url": "https://lendb.ai/lo/christine-jensen-244648.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Arvada",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "OH",
          "OK",
          "SC",
          "VA"
        ],
        "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": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 18,
        "licensed_since": {
          "year": 2008,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/christine-jensen-244648",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Office in Arvada, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100023498), verified 2026-10-09",
        "Licensed since 2008 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/christine-jensen-244648",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100023498), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145861&contact=183316"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 61.5,
      "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 20,
        "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 Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Office in Colorado",
        "Licensed in CO: confirmed with the Colorado regulator (license 100009706), verified 2026-10-09",
        "Licensed since 2006 (per Colorado records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-harfert-300911",
      "license_check": {
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}