{ "canonical_url": "https://lendb.ai/s/usda/colorado", "summary": "As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in Colorado whose lender pages show USDA loan work. The top-ranked are Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air), Craig Cusick (Fairway Independent Mortgage Corporation, Phoenix) and Bruce Gibson (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "usda", "state": "CO", "total": 25, "last_verified": "2026-10-10", "results": [ { "rank": 1, "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 USDA 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": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 61.3, "loan_officer": { "nmls_id": 210381, "slug": "craig-cusick-210381", "full_name": "Craig Cusick", "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "json_url": "https://lendb.ai/lo/craig-cusick-210381.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [ "FL", "CO", "IN", "MO", "OH", "OR", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-10", "Licensed since 2021 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=322208&contact=553174" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.3, "loan_officer": { "nmls_id": 501286, "slug": "bruce-gibson-501286", "full_name": "Bruce Gibson", "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286", "json_url": "https://lendb.ai/lo/bruce-gibson-501286.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": [ "FL", "CO", "NM" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://xperthomelending.com/loan-directory/bruce-gibson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA 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 2022 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286", "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://xperthomelending.com/loan-directory/bruce-gibson" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58, "loan_officer": { "nmls_id": 649456, "slug": "lenae-vandegrift-649456", "full_name": "Lenae Vandegrift", "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Thornton", "state": "CO" }, "licensed_states": [ "FL", "CO", "CA", "MI", "NM", "OK", "SC", "TX", "WI", "WY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA 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 2026-10-10", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100503110), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=181357&contact=395847" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 57.8, "loan_officer": { "nmls_id": 223884, "slug": "kathryn-pedersen-223884", "full_name": "Kathryn Pedersen", "canonical_url": "https://lendb.ai/lo/kathryn-pedersen-223884", "json_url": "https://lendb.ai/lo/kathryn-pedersen-223884.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Steamboat Springs", "state": "CO" }, "licensed_states": [ "CO", "IA", "NE", "WY" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/steamboat-springs-co-5144/kathryn-pedersen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA 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 2026-10-10", "Licensed since 2010 (per Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kathryn-pedersen-223884", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100033811), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139927&contact=222272" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 57.8, "loan_officer": { "nmls_id": 1473179, "slug": "alexis-varga-1473179", "full_name": "Alexis Varga", "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "json_url": "https://lendb.ai/lo/alexis-varga-1473179.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "CA", "CO", "GA", "IL", "IN", "KY", "MI", "OH", "OR", "PA", "TN" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" } ], "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" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100503676), verified 2026-10-10", "Licensed since 2016 (per Colorado records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100503676), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=182000&contact=396522" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55.3, "loan_officer": { "nmls_id": 509649, "slug": "shannon-odom-509649", "full_name": "Shannon Odom", "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "json_url": "https://lendb.ai/lo/shannon-odom-509649.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Bangor", "state": "ME" }, "licensed_states": [ "FL", "CO", "DE", "KS", "MA", "MD", "ME", "MO", "NC", "NH", "SC", "VA", "VT" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/shannon-odom", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100542517), verified 2026-10-10", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100542517), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=342461&contact=576330" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 256481, "slug": "coley-rau-256481", "full_name": "Coley Rau", "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "json_url": "https://lendb.ai/lo/coley-rau-256481.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bryan", "state": "OH" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MI", "MO", "MS", "MT", "NC", "ND", "NE", "NJ", "OH", "SC", "SD", "TN", "TX", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100514806), verified 2026-10-10", "Licensed since 2017 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100514806), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=237443&contact=457437" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne 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