Loan programs · Alabama
HELOC loan officers in Alabama
As of 2026-10-09, LenDb lists 56 loan officers licensed in or based in Alabama whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Daniel McDermott (CrossCountry Mortgage, Montvale) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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
Emmett ClarkNMLS 233747
Loan Factory · Mortgage broker · licensed in 18 states
- HELOC
- First-time buyer
- VA loan
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Daniel McDermottNMLS 430030
CrossCountry Mortgage · Montvale, NJ · licensed in 26 states
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- 3
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 4
James AbdallahNMLS 255833
Lit Financial Corporation · licensed in 14 states
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 5
Christina BúsNMLS 118777
Loan Factory · Mortgage broker · licensed in 2 states
- HELOC
- 1099 income
- Down payment assistance
- DSCR loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 6
Ryan ValloneNMLS 312680
Lit Financial Corporation · licensed in 14 states
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- States 15 years of experience (lender page, 2026-10-09)
- 7
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- HELOC
- Down payment assistance
- Physician and medical professional
- Self-employed
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 8
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- HELOC
- Bank statement loan
- DSCR loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 9
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- HELOC
- First-time buyer
- Recent credit event
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 10
Trung NguyenNMLS 1806263
Loan Factory · Mortgage broker · licensed in 7 states
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 11
Jamira KendricksNMLS 2188248
Loan Factory · Mortgage broker · licensed in 2 states
- HELOC
- Down payment assistance
- Real estate investor
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 12
Mark HooverNMLS 28157
Lit Financial Corporation · licensed in 10 states
- HELOC
- FHA loan
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Jay Crain JrNMLS 180361
CrossCountry Mortgage · Peachtree City, GA · licensed in 7 states
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 26 years of experience (lender page, 2026-10-09)
- 14
Debbie JohnstonNMLS 211792
CrossCountry Mortgage · Acworth, GA · licensed in 3 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 15
Scott SchneidermanNMLS 219043
CrossCountry Mortgage · Chicago, IL · licensed in 34 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 16
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- HELOC
- Construction loan
- Down payment assistance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 17
Heather CraigNMLS 325921
CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states
- HELOC
- Jumbo loan
- Real estate investor
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 18
Sunny LarsenNMLS 505811
CrossCountry Mortgage · Puyallup, WA · licensed in 8 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 19
Joe DonovanNMLS 1450210
CrossCountry Mortgage · Suwanee, GA · licensed in 6 states
- HELOC
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 20
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- HELOC
- Down payment assistance
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 21
Brad TaylorNMLS 461982
CrossCountry Mortgage · Alpharetta, GA · licensed in 3 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 22
Phil RussoNMLS 8676
CrossCountry Mortgage · Wayne, PA · licensed in 27 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 23
Christopher KeelinNMLS 63764
CrossCountry Mortgage · Denville, NJ · licensed in 42 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 24
Jeremy HydeNMLS 971129
CrossCountry Mortgage · Raleigh, NC · licensed in 3 states
- HELOC
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 13 years of experience (lender page, 2026-10-09)
- 25
David PickeringNMLS 12134
CrossCountry Mortgage · Cleveland, OH · licensed in 28 states
- HELOC
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
Before you choose
Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.
- What combined loan-to-value do you allow?
- Is the rate variable, and are there fixed-rate draw options?
- Are there annual fees or early closure fees?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a AL license is confirmed with the state regulator (check mark), AL is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.