--- canonical_url: https://lendb.ai/s/heloc/alabama last_verified: 2026-10-09 --- # HELOC loan officers in Alabama As of 2026-10-09, LenDb lists 55 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. ## Ranked, with reasons 1. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 3. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 4. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 5. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Ryan Vallone](https://lendb.ai/lo/ryan-vallone-312680)** (NMLS 312680), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) - States 15 years of experience (lender page, 2026-10-09) 7. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Jordan Heatherly](https://lendb.ai/lo/jordan-heatherly-1312244)** (NMLS 1312244), Churchill Mortgage, Brentwood, TN - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 9. **[Trung Nguyen](https://lendb.ai/lo/trung-nguyen-1806263)** (NMLS 1806263), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 10. **[Jamira Kendricks](https://lendb.ai/lo/jamira-kendricks-2188248)** (NMLS 2188248), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Mark Hoover](https://lendb.ai/lo/mark-hoover-28157)** (NMLS 28157), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 12. **[Jay Crain Jr](https://lendb.ai/lo/john-crain-180361)** (NMLS 180361), CrossCountry Mortgage, Peachtree City, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 13. **[Debbie Johnston](https://lendb.ai/lo/debbie-johnston-211792)** (NMLS 211792), CrossCountry Mortgage, Acworth, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 14. **[Scott Schneiderman](https://lendb.ai/lo/scott-schneiderman-219043)** (NMLS 219043), CrossCountry Mortgage, Chicago, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 15. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 16. **[Heather Craig](https://lendb.ai/lo/heather-craig-325921)** (NMLS 325921), CrossCountry Mortgage, Delray Beach, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 17. **[Sunny Larsen](https://lendb.ai/lo/sunny-larsen-505811)** (NMLS 505811), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 18. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 20. **[Brad Taylor](https://lendb.ai/lo/bradley-taylor-461982)** (NMLS 461982), CrossCountry Mortgage, Alpharetta, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 21. **[Phil Russo](https://lendb.ai/lo/philip-russo-8676)** (NMLS 8676), CrossCountry Mortgage, Wayne, PA - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 22. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 23. **[Jeremy Hyde](https://lendb.ai/lo/jeremy-hyde-971129)** (NMLS 971129), CrossCountry Mortgage, Raleigh, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 24. **[David Pickering](https://lendb.ai/lo/david-pickering-12134)** (NMLS 12134), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 25. **[Bobbie Graves](https://lendb.ai/lo/bobbie-graves-1247781)** (NMLS 1247781), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/heloc/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._