Borrower situations · Colorado
Loan officers for self-employed borrowers in Colorado
As of 2026-10-09, LenDb lists 48 loan officers licensed in or based in Colorado whose lender pages show Self-employed work. The top-ranked are Lenae Vandegrift (American Pacific Mortgage, Thornton), Jonathan Edwards (Guild Mortgage, Greenwood Village) and Russ Laing (Network Funding, Austin). 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
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Self-employed
- Condo
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 12 years licensed
- 2
Jonathan EdwardsNMLS 671258
Guild Mortgage · Greenwood Village, CO · licensed in 12 states
- Self-employed
- ITIN borrower
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 6 years licensed
- 3
Russ LaingNMLS 394619
Network Funding · Austin, TX · licensed in 7 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 24 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed 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)
- No disciplinary actions on file at LenDb
- 5
Taylor GutierrezNMLS 2137813
NFM Lending · Colorado Springs, CO
- Self-employed
- VA loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 5 years experience (stated on lender page, 2026-10-09)
- 6
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 7
Shane SmithNMLS 235902
JPMorgan Chase Bank (Chase Home Lending) · San Diego, CA · licensed in 2 states
- Self-employed
- Co-op
- Condo
- HELOC
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 8
Crystal BuntingNMLS 281541
Guild Mortgage · Pueblo West, CO
- Self-employed
- FHA loan
- Jumbo loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 23 years experience (stated on lender page, 2026-10-09)
- 9
Greg MatternNMLS 1081954
Guild Mortgage · Windsor, CO · licensed in 5 states
- Self-employed
- Down payment assistance
- First-time buyer
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 10
Nichole CrisantiNMLS 1503218
CrossCountry Mortgage · Loveland, CO · licensed in 4 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 11
Omar VazquezNMLS 2445533
CrossCountry Mortgage · Grand Junction, CO
- Self-employed
- First-time buyer
- ITIN borrower
- Foreign national
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 12
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Julia HohmannNMLS 1042668
JPMorgan Chase Bank (Chase Home Lending) · Greenwood, IN · licensed in 2 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 14
Correna WatsonNMLS 906374
JPMorgan Chase Bank (Chase Home Lending) · Tampa, FL · licensed in 2 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 15
Amir JawaidNMLS 1228259
JPMorgan Chase Bank (Chase Home Lending) · Upland, CA · licensed in 2 states
- Self-employed
- VA loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 16
Levi PollackNMLS 1749086
American Pacific Mortgage · Westminster, CO · licensed in 3 states
- Self-employed
- Down payment assistance
- First-time buyer
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 17
Melanie HennNMLS 206264
Fairway Independent Mortgage Corporation · Colorado Springs, CO · licensed in 3 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 18
Sahani DissanayakeNMLS 673469
JPMorgan Chase Bank (Chase Home Lending) · Birmingham, MI · licensed in 2 states
- Self-employed
- First-time buyer
- Jumbo loan
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 19
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Self-employed
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
Michael OrganNMLS 403999
JPMorgan Chase Bank (Chase Home Lending) · Arvada, CO
- Self-employed
- FHA loan
- Low credit score
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Colorado; no license list on file yet, verify at NMLS Consumer Access
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Bonnie JacksonNMLS 450491
Atlantic Coast Mortgage · Huntersville, NC · licensed in 8 states
- Self-employed
- First-time buyer
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 23
Carson WilkieNMLS 2066136
JPMorgan Chase Bank (Chase Home Lending) · Coral Springs, FL · licensed in 2 states
- Self-employed
- Co-op
- Condo
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 24
Heath BarnesNMLS 210164
Guild Mortgage · Houston, TX · licensed in 10 states
- Self-employed
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Sunny LarsenNMLS 505811
CrossCountry Mortgage · Puyallup, WA · licensed in 8 states
- Self-employed
- Jumbo loan
- New construction
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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 actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.