{ "canonical_url": "https://lendb.ai/s/va/colorado", "summary": "As of 2026-10-09, LenDb lists 152 loan officers licensed in or based in Colorado whose lender pages show VA loan work. The top-ranked are Darik Tolnay (CrossCountry Mortgage, Lakewood), Ryan George (CrossCountry Mortgage, Frederick) and Alona Hayes (Guild Mortgage, Lawton). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "va", "state": "CO", "total": 152, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 63.3, "loan_officer": { "nmls_id": 521445, "slug": "darik-tolnay-521445", "full_name": "Darik Tolnay", "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445", "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakewood", "state": "CO" }, "licensed_states": [ "AZ", "CO", "IN", "KS", "MO", "NM", "NV", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "CO" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Lakewood, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100041853), verified 2026-10-09", "Licensed since 2013 (per Colorado records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100041853), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145022&contact=268157" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 5692, "slug": "ryan-george-5692", "full_name": "Ryan George", "canonical_url": "https://lendb.ai/lo/ryan-george-5692", "json_url": "https://lendb.ai/lo/ryan-george-5692.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "licensed_states": [ "FL", "CO", "AL", "CA", "DC", "DE", "GA", "IL", "LA", "MA", "MD", "MI", "NC", "NJ", "OH", "PA", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/frederick-md-5076/ryan-george/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100528888), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ryan-george-5692", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100528888), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=285371&contact=510114" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 180226, "slug": "alona-hayes-180226", "full_name": "Alona Hayes", "canonical_url": "https://lendb.ai/lo/alona-hayes-180226", "json_url": "https://lendb.ai/lo/alona-hayes-180226.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lawton", "state": "OK" }, "licensed_states": [ "CO", "AR", "KS", "MO", "OK", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ok/lawton/alona-hayes-674-apahay.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100517226), verified 2026-10-09", "Licensed since 2020 (per Colorado records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alona-hayes-180226", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100517226), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=248957&contact=469474" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 247584, "slug": "daniel-nacarato-247584", "full_name": "Daniel Patrick Nacarato", "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "json_url": "https://lendb.ai/lo/daniel-nacarato-247584.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "FL", "CO", "CA", "NV", "OR" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.barrettfinancial.com/dnacarato", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100526378), verified 2026-10-09", "Licensed since 2021 (per Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100526378), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=279537&contact=502652" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.8, "loan_officer": { "nmls_id": 287498, "slug": "james-kinley-287498", "full_name": "Jimmy Kinley", "canonical_url": "https://lendb.ai/lo/james-kinley-287498", "json_url": "https://lendb.ai/lo/james-kinley-287498.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Highlands Ranch", "state": "CO" }, "licensed_states": [ "CO", "TN", "VA" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/co/highlandsranch/jimmy-kinley-660-chjki.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Highlands Ranch, CO", "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/james-kinley-287498", "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/highlandsranch/jimmy-kinley-660-chjki.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62.8, "loan_officer": { "nmls_id": 1720774, "slug": "gregory-tily-1720774", "full_name": "Gregory Tily", "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "json_url": "https://lendb.ai/lo/gregory-tily-1720774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "GA", "IN", "KS", "KY", "MA", "MD", "MN", "MO", "NC", "OH", "PA", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "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": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100528831), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100528831), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=285688&contact=510486" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 62.3, "loan_officer": { "nmls_id": 993397, "slug": "carla-marchetti-993397", "full_name": "Carla Marchetti", "canonical_url": "https://lendb.ai/lo/carla-marchetti-993397", "json_url": "https://lendb.ai/lo/carla-marchetti-993397.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "CO", "CA", "IL", "IN", "KS", "KY", "MO", "NE", "NV", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 19, "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/carla-marchetti-616-cncma.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100538621), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/carla-marchetti-993397", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100538621), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=325944&contact=557370" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 62, "loan_officer": { "nmls_id": 399405, "slug": "devin-fahrner-399405", "full_name": "Devin Fahrner", "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405", "json_url": "https://lendb.ai/lo/devin-fahrner-399405.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Eagle", "state": "ID" }, "licensed_states": [ "FL", "CO", "AL", "AR", "AZ", "CA", "GA", "ID", "IL", "IN", "MT", "NV", "OK", "OR", "SD", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "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": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "CO" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/devin-fahrner", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100538383), verified 2026-10-09", "Licensed since 2024 (per Colorado records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100538383), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=325869&contact=553257" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 9, "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 VA loan on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100537711), verified 2026-10-09", "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 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=322208&contact=553174" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 61.3, "loan_officer": { "nmls_id": 368259, "slug": "jay-garvens-368259", "full_name": "Jay Garvens", "canonical_url": "https://lendb.ai/lo/jay-garvens-368259", "json_url": "https://lendb.ai/lo/jay-garvens-368259.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Colorado Springs", "state": "CO" }, "licensed_states": [ "FL", "CO", "MO", "MT", "NM", "OK", "SC", "SD", "TN", "TX", "UT" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 19, "licensed_since": { "year": 2007, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on 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