{ "canonical_url": "https://lendb.ai/s/heloc/colorado", "summary": "As of 2026-10-09, LenDb lists 35 loan officers licensed in or based in Colorado whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Bruce Gibson (Xpert Home Lending) and Megan Curtis (Pennymac, Pasadena). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "CO", "total": 35, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 61.3, "loan_officer": { "nmls_id": 233747, "slug": "emmett-clark-233747", "full_name": "Emmett Clark", "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "json_url": "https://lendb.ai/lo/emmett-clark-233747.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CO", "FL", "PA", "AL", "AZ", "CA", "HI", "IA", "ID", "KS", "KY", "MO", "OR", "TN", "TX", "UT", "VA", "WA" ], "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": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "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": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100543492), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100543492), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=223124&contact=442840" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.3, "loan_officer": { "nmls_id": 501286, "slug": "bruce-gibson-501286", "full_name": "Bruce Gibson", "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286", "json_url": "https://lendb.ai/lo/bruce-gibson-501286.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "CO", "NM" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://xperthomelending.com/loan-directory/bruce-gibson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286", "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://xperthomelending.com/loan-directory/bruce-gibson" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.3, "loan_officer": { "nmls_id": 1621681, "slug": "megan-curtis-1621681", "full_name": "Megan Curtis", "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "json_url": "https://lendb.ai/lo/megan-curtis-1621681.json", "lender": { "nmls_id": 35953, "name": "Pennymac", "canonical_url": "https://lendb.ai/lender/pennymac-35953", "type": "imb" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "NJ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100508631), verified 2026-10-09", "Licensed since 2017 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100508631), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=203169&contact=421491" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 56.3, "loan_officer": { "nmls_id": 1496369, "slug": "julie-adams-1496369", "full_name": "Julie Vari Adams", "canonical_url": "https://lendb.ai/lo/julie-adams-1496369", "json_url": "https://lendb.ai/lo/julie-adams-1496369.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "CO", "KS", "MO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/julie-adams", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100513498), verified 2026-10-09", "Licensed since 2019 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/julie-adams-1496369", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100513498), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=229573&contact=449586" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 55.8, "loan_officer": { "nmls_id": 1886806, "slug": "ryan-underwood-1886806", "full_name": "Ryan Underwood", "canonical_url": "https://lendb.ai/lo/ryan-underwood-1886806", "json_url": "https://lendb.ai/lo/ryan-underwood-1886806.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Independence", "state": "OH" }, "licensed_states": [ "FL", "CO", "GA", "IL", "IN", "MI", "OH" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/independence-oh-2046/ryan-underwood/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100516977), verified 2026-10-09", "Licensed since 2020 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/ryan-underwood-1886806", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100516977), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=248065&contact=468506" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.3, "loan_officer": { "nmls_id": 488734, "slug": "brent-wilkerson-488734", "full_name": "Brent Wilkerson", "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734", "json_url": "https://lendb.ai/lo/brent-wilkerson-488734.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "La Crosse", "state": "WI" }, "licensed_states": [ "FL", "CA", "CO", "IA", "MN", "MO", "NV", "WI" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/la-crosse-wi-5717/brent-wilkerson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100534726), verified 2026-10-09", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100534726), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=306191&contact=533743" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55, "loan_officer": { "nmls_id": 430030, "slug": "daniel-mcdermott-430030", "full_name": "Daniel McDermott", "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030", "json_url": "https://lendb.ai/lo/daniel-mcdermott-430030.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Montvale", "state": "NJ" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "CT", "GA", "IL", "IN", "KY", "MA", "MD", "MI", "MS", "NC", "NJ", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "UT", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100041851), verified 2026-10-09", "Licensed since 2012 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100041851), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145021&contact=88903" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.5, "loan_officer": { "nmls_id": 1835186, "slug": "faith-gehrke-1835186", "full_name": "Faith Gehrke", "canonical_url": "https://lendb.ai/lo/faith-gehrke-1835186", "json_url": "https://lendb.ai/lo/faith-gehrke-1835186.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/fgehrke/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100535058), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/faith-gehrke-1835186", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100535058), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=308042&contact=535938" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.3, "loan_officer": { "nmls_id": 1993020, "slug": "daniel-rosenblatt-1993020", "full_name": "Daniel Rosenblatt", "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020", "json_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020.json", "lender": { "nmls_id": 3013, "name": "Newrez", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "licensed_states": [ "CO", "PA", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/daniel-rosenblatt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100536141), verified 2026-10-09", "Licensed since 2023 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100536141), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=313211&contact=542140" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 53, "loan_officer": { "nmls_id": 2748105, "slug": "jillian-faustino-2748105", "full_name": "Jillian Faustino", "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "json_url": "https://lendb.ai/lo/jillian-faustino-2748105.json", "lender": { "nmls_id": 3013, "name": "Newrez", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "licensed_states": [ "FL", "CO", "PA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/jillian-faustino/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100543461), verified 2026-10-09", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100543461), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=346584&contact=581051" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { 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