Loan programs · Colorado
VA loan officers in Colorado
As of 2026-10-09, LenDb lists 170 loan officers licensed in or based in Colorado whose lender pages show VA loan work. The top-ranked are Ken Smith (Churchill Mortgage, Colorado Springs), John Harfert (Loan Factory) and Darik Tolnay (CrossCountry Mortgage, Lakewood). 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
Ken SmithNMLS 71162
Churchill Mortgage · Colorado Springs, CO · licensed in 6 states
- VA loan
- FHA loan
- Reverse mortgage
- Lists VA loan 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)
- 2
John HarfertNMLS 300911
Loan Factory · Colorado
- VA loan
- FHA loan
- First-time buyer
- Reverse mortgage
- Lists VA loan 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)
- 3
Darik TolnayNMLS 521445
CrossCountry Mortgage · Lakewood, CO · licensed in 8 states
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 15 years experience (stated on lender page, 2026-10-09)
- 4
Q ClarkNMLS 2152449
Guild Mortgage · Denver, CO · licensed in 3 states
- VA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 20 years experience (stated on lender page, 2026-10-09)
- 5
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- VA loan
- Condo
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 12 years licensed
- 6
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- VA loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 8 years licensed
- 7
Jimmy KinleyNMLS 287498
Guild Mortgage · Highlands Ranch, CO · licensed in 3 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 7 years licensed
- 8
Matthew MerrillNMLS 115282
Guild Mortgage · Vancouver, WA · licensed in 5 states
- VA loan
- FHA loan
- First-time buyer
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Ron Riccitelli JrNMLS 144907
CrossCountry Mortgage · Bel Air, MD · licensed in 5 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 21 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Alona HayesNMLS 180226
Guild Mortgage · Lawton, OK · licensed in 6 states
- VA loan
- Down payment assistance
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- VA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Jeanette JohnNMLS 611754
Intercap Lending · Logan, UT · licensed in 5 states
- VA loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Kristopher DerewalNMLS 133750
Newrez · Fort Washington, PA · licensed in 4 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 14
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- VA loan
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 15
Catherine BarnettNMLS 237244
Xpert Home Lending · licensed in 4 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 2 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 17
Bethany ChandlerNMLS 767430
CrossCountry Mortgage · Englewood, CO
- VA loan
- FHA loan
- First-time buyer
- New construction
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 5 years licensed
- 18
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 19
Taylor GutierrezNMLS 2137813
NFM Lending · Colorado Springs, CO
- VA loan
- Self-employed
- Down payment assistance
- FHA loan
- Lists VA loan 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)
- 20
Ryan GeorgeNMLS 5692
CrossCountry Mortgage · Frederick, MD · licensed in 2 states
- VA loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 21
Chris HodgesNMLS 1146098
American Pacific Mortgage · Greenwood Village, CO · licensed in 17 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 5 years licensed
- 22
Justin NoelNMLS 2126847
Guild Mortgage · Boulder, CO · licensed in 2 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 4 years experience (stated on lender page, 2026-10-09)
- 23
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- VA loan
- Jumbo loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 24
Mary GreenwoodNMLS 459324
NFM Lending · Colorado Springs, CO · licensed in 9 states
- VA loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (state license, verified 2026-10-09)
- Branch in Colorado
- 2 years licensed
- 25
Shawnda PadillaNMLS 748020
Guild Mortgage · Pueblo, CO · licensed in 2 states
- VA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 2 years licensed
Before you choose
Entitlement calculations, funding fee exemptions and VA appraisal rules reward a loan officer who closes VA loans often.
- How many VA loans have you closed in the last year?
- Can you check my remaining entitlement and funding fee status?
- How do you handle a low VA appraisal or the tidewater process?
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=va&state=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.