--- canonical_url: https://lendb.ai/s/va/colorado last_verified: 2026-10-09 --- # VA loan officers in Colorado As of 2026-10-09, LenDb lists 177 loan officers licensed in or based in Colorado whose lender pages show VA loan work. The top-ranked are Darik Tolnay (CrossCountry Mortgage, Lakewood), Ken Smith (Churchill Mortgage, Colorado Springs) and John Harfert (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Darik Tolnay](https://lendb.ai/lo/darik-tolnay-521445)** (NMLS 521445), CrossCountry Mortgage, Lakewood, CO - 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) - No disciplinary actions on file at LenDb 2. **[Ken Smith](https://lendb.ai/lo/ken-smith-71162)** (NMLS 71162), Churchill Mortgage, Colorado Springs, CO - 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) - No disciplinary actions on file at LenDb 3. **[John Harfert](https://lendb.ai/lo/john-harfert-300911)** (NMLS 300911), Loan Factory, CO - 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) - No disciplinary actions on file at LenDb 4. **[Ron Riccitelli Jr](https://lendb.ai/lo/ron-riccitelli-jr-144907)** (NMLS 144907), CrossCountry Mortgage, Bel Air, MD - 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 5. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC - Lists VA loan on lender page (lender page, verified 2026-10-09) - Licensed in CO (listed on lender page, verified 2026-10-09) - 22 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 6. **[Dawn Rae Pemberton](https://lendb.ai/lo/dawn-pemberton-162320)** (NMLS 162320), Fairway Independent Mortgage Corporation, Naples, FL - 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 7. **[Bethany Chandler](https://lendb.ai/lo/bethany-chandler-767430)** (NMLS 767430), CrossCountry Mortgage, Englewood, CO - 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 - No disciplinary actions on file at LenDb 8. **[Ryan George](https://lendb.ai/lo/ryan-george-5692)** (NMLS 5692), CrossCountry Mortgage, Frederick, MD - 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 9. **[Q Clark](https://lendb.ai/lo/q-clark-2152449)** (NMLS 2152449), Guild Mortgage, Denver, CO - 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) - No disciplinary actions on file at LenDb 10. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA - 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 11. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - 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 - No disciplinary actions on file at LenDb 12. **[Kathryn Pedersen](https://lendb.ai/lo/kathryn-pedersen-223884)** (NMLS 223884), CrossCountry Mortgage, Steamboat Springs, CO - Lists VA loan on lender page (lender page, verified 2026-10-09) - Licensed in CO (state license, verified 2026-10-09) - Branch in Colorado - 25 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 13. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - 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 - No disciplinary actions on file at LenDb 14. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists VA loan on lender page (lender page, verified 2026-10-09) - Licensed in CO (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 15. **[Jimmy Kinley](https://lendb.ai/lo/james-kinley-287498)** (NMLS 287498), Guild Mortgage, Highlands Ranch, CO - 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 - No disciplinary actions on file at LenDb 16. **[Matthew Merrill](https://lendb.ai/lo/matthew-merrill-115282)** (NMLS 115282), Guild Mortgage, Vancouver, WA - 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 17. **[Alona Hayes](https://lendb.ai/lo/alona-hayes-180226)** (NMLS 180226), Guild Mortgage, Lawton, OK - 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 18. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - 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 19. **[Jeanette John](https://lendb.ai/lo/jeanette-john-611754)** (NMLS 611754), Intercap Lending, Logan, UT - 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 20. **[Melanie Henn](https://lendb.ai/lo/melanie-henn-206264)** (NMLS 206264), Fairway Independent Mortgage Corporation, Colorado Springs, CO - Lists VA loan 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 21. **[Kristopher Derewal](https://lendb.ai/lo/kristopher-derewal-133750)** (NMLS 133750), Newrez, Fort Washington, PA - 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 22. **[Catherine Barnett](https://lendb.ai/lo/catherine-barnett-237244)** (NMLS 237244), Xpert Home Lending - 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 23. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS - 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 24. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - 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 25. **[Austin Yagle](https://lendb.ai/lo/austin-yagle-1883319)** (NMLS 1883319), CrossCountry Mortgage, San Diego, CA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Licensed in CO (state license, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/va/colorado. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._