---
canonical_url: https://lendb.ai/s/heloc/colorado
last_verified: 2026-10-09
---

# HELOC loan officers in Colorado

As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Colorado whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Faith Gehrke (Mutual of Omaha Mortgage, Scottsdale) 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.

## 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)
   - 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)
2. **[Faith Gehrke](https://lendb.ai/lo/faith-gehrke-1835186)** (NMLS 1835186), Mutual of Omaha Mortgage, Scottsdale, AZ
   - 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)
3. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA
   - 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)
4. **[Ryan Underwood](https://lendb.ai/lo/ryan-underwood-1886806)** (NMLS 1886806), CrossCountry Mortgage, Independence, OH
   - 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)
5. **[Brent Wilkerson](https://lendb.ai/lo/brent-wilkerson-488734)** (NMLS 488734), CrossCountry Mortgage, La Crosse, WI
   - 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)
6. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending
   - 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)
7. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100041851), verified 2026-10-09
   - Licensed since 2012 (per Florida records)
8. **[Daniel Rosenblatt](https://lendb.ai/lo/daniel-rosenblatt-1993020)** (NMLS 1993020), Newrez, Fort Washington, PA
   - 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)
9. **[Brett Shaw](https://lendb.ai/lo/brett-shaw-315592)** (NMLS 315592), LeaderOne Financial, Colorado Springs, CO
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Colorado Springs, CO
   - Licensed in CO: confirmed with the Colorado regulator (license 100018951), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
   - States 20 years of experience (lender page, 2026-10-09)
10. **[Susan van de Poll](https://lendb.ai/lo/susan-van-de-poll-831038)** (NMLS 831038), Xpert Home Lending, CO
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Colorado
   - Licensed in CO: confirmed with the Colorado regulator (license 100008071), verified 2026-10-09
   - Licensed since 2006 (per Colorado records)
11. **[Jillian Faustino](https://lendb.ai/lo/jillian-faustino-2748105)** (NMLS 2748105), Newrez, Fort Washington, PA
   - 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)
12. **[Julie Vari Adams](https://lendb.ai/lo/julie-adams-1496369)** (NMLS 1496369), LeaderOne Financial, Overland Park, KS
   - 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)
13. **[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)
   - Licensed in CO: confirmed with the Colorado regulator (license 100516759), verified 2026-10-09
   - Licensed since 2020 (per Colorado records)
   - States 15 years of experience (lender page, 2026-10-09)
14. **[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)
   - CO 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)
15. **[Shane Smith](https://lendb.ai/lo/shane-smith-235902)** (NMLS 235902), JPMorgan Chase Bank (Chase Home Lending), San Diego, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100506747), verified 2026-10-09
   - Licensed since 2014 (per Florida records)
16. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ
   - 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 2025 (per Florida records)
17. **[Michael P Gavin](https://lendb.ai/lo/michael-gavin-1438324)** (NMLS 1438324), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100539825), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 11 years of experience (lender page, 2026-10-09)
18. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100017657), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
19. **[Alex Heath](https://lendb.ai/lo/alex-heath-290072)** (NMLS 290072), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100028725), verified 2026-10-09
   - Licensed since 2009 (per Colorado records)
20. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation
   - 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)
21. **[Chad Droeg](https://lendb.ai/lo/chad-droeg-2291522)** (NMLS 2291522), Xpert Home Lending, Denver, CO
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Denver, CO
   - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
22. **[Michelle Krusmark](https://lendb.ai/lo/michelle-krusmark-2717683)** (NMLS 2717683), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100542682), verified 2026-10-09
   - Licensed since 2025 (per Colorado records)
23. **[Parth Patel](https://lendb.ai/lo/parth-patel-1523337)** (NMLS 1523337), U.S. Bank, McKinney, TX
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in CO: confirmed with the Colorado regulator (license 100544522), verified 2026-10-09
   - Licensed since 2026 (per Colorado records)
24. **[Vanessa Garcia](https://lendb.ai/lo/vanessa-garcia-678000)** (NMLS 678000), JPMorgan Chase Bank (Chase Home Lending), Aurora, CO
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Aurora, CO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 8 years of experience (lender page, 2026-10-09)
25. **[Brennan Bohnsack](https://lendb.ai/lo/brennan-bohnsack-1743607)** (NMLS 1743607), JPMorgan Chase Bank (Chase Home Lending), Englewood, CO
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Englewood, CO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2018 (per Florida records)

## 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/colorado.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._