{ "canonical_url": "https://lendb.ai/s/heloc/indiana", "summary": "As of 2026-10-09, LenDb lists 69 loan officers licensed in or based in Indiana whose lender pages show HELOC work. The top-ranked are Tom Lade (CrossCountry Mortgage, Columbus), Ryan Underwood (CrossCountry Mortgage, Independence) and Daniel McDermott (CrossCountry Mortgage, Montvale). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "IN", "total": 69, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 52.8, "loan_officer": { "nmls_id": 962607, "slug": "thomas-lade-962607", "full_name": "Tom Lade", "canonical_url": "https://lendb.ai/lo/thomas-lade-962607", "json_url": "https://lendb.ai/lo/thomas-lade-962607.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbus", "state": "OH" }, "licensed_states": [ "FL", "IN", "KY", "MD", "NC", "NV", "OH", "SC", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 6, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/thomas-lade/" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "6 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/thomas-lade-962607" }, { "rank": 2, "score": 52.8, "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" ], "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, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/independence-oh-2046/ryan-underwood/" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "6 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/ryan-underwood-1886806" }, { "rank": 3, "score": 52, "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" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 14, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "14 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030" }, { "rank": 4, "score": 51.3, "loan_officer": { "nmls_id": 2268018, "slug": "william-white-2268018", "full_name": "Bill White", "canonical_url": "https://lendb.ai/lo/william-white-2268018", "json_url": "https://lendb.ai/lo/william-white-2268018.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cincinnati", "state": "OH" }, "licensed_states": [ "FL", "AL", "GA", "IL", "IN", "KY", "MI", "NC", "OH", "OK", "PA", "SC", "TX", "VA", "WI" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "3 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/william-white-2268018" }, { "rank": 5, "score": 49.8, "loan_officer": { "nmls_id": 997560, "slug": "tracey-radinovic-997560", "full_name": "Tracey Radinovic", "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "AR", "CA", "IL", "IN", "KS", "MO", "NJ", "NV", "OK", "SC", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 0, "years_experience": 14, "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "0 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560" }, { "rank": 6, "score": 48.8, "loan_officer": { "nmls_id": 1247814, "slug": "kris-hermann-1247814", "full_name": "Kris Hermann", "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "json_url": "https://lendb.ai/lo/kris-hermann-1247814.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CA", "CO", "IN", "NC", "NJ", "OH", "PA", "WA" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814" }, { "rank": 7, "score": 47.5, "loan_officer": { "nmls_id": 438557, "slug": "jason-kain-438557", "full_name": "Jason Kain", "canonical_url": "https://lendb.ai/lo/jason-kain-438557", "json_url": "https://lendb.ai/lo/jason-kain-438557.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Columbus", "state": "IN" }, "licensed_states": [ "IN" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "years_experience": 20, "lender_profile_url": "https://www.fairway.com/lo/jason-kain-438557" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "Branch in Indiana", "4 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jason-kain-438557" }, { "rank": 8, "score": 46.8, "loan_officer": { "nmls_id": 131435, "slug": "enrique-pelayo-jr-131435", "full_name": "Enrique Pelayo Jr", "canonical_url": "https://lendb.ai/lo/enrique-pelayo-jr-131435", "json_url": "https://lendb.ai/lo/enrique-pelayo-jr-131435.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": [ "ID", "IN", "WA" ], "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/enrique-pelayo-jr-131435" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "5 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/enrique-pelayo-jr-131435" }, { "rank": 9, "score": 46.8, "loan_officer": { "nmls_id": 608673, "slug": "tyann-sanchez-608673", "full_name": "Tyann Sanchez", "canonical_url": "https://lendb.ai/lo/tyann-sanchez-608673", "json_url": "https://lendb.ai/lo/tyann-sanchez-608673.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Fort Wayne", "state": "IN" }, "licensed_states": [ "IN", "OH", "MI" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 5, "lender_profile_url": "https://www.fairway.com/lo/tyann-sanchez-608673" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "Branch in Indiana", "5 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/tyann-sanchez-608673" }, { "rank": 10, "score": 45.3, "loan_officer": { "nmls_id": 19167, "slug": "jared-maxwell-19167", "full_name": "Jared Maxwell", "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167", "json_url": "https://lendb.ai/lo/jared-maxwell-19167.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Middletown", "state": "RI" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CT", "IN", "MA", "MD", "ME", "NC", "NH", "NJ", "NY", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WI" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": 21, "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/jared-maxwell" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167" }, { "rank": 11, "score": 44.8, "loan_officer": { "nmls_id": 438579, "slug": "gene-cooney-438579", "full_name": "Gene Cooney", "canonical_url": "https://lendb.ai/lo/gene-cooney-438579", "json_url": "https://lendb.ai/lo/gene-cooney-438579.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "IN", "KY" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/GeneCooney" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "25 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/gene-cooney-438579" }, { "rank": 12, "score": 44.3, "loan_officer": { "nmls_id": 2724079, "slug": "mandy-dudley-2724079", "full_name": "Mandy Dudley", "canonical_url": "https://lendb.ai/lo/mandy-dudley-2724079", "json_url": "https://lendb.ai/lo/mandy-dudley-2724079.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "IN" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/MandyDudley" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "25 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/mandy-dudley-2724079" }, { "rank": 13, "score": 44.3, "loan_officer": { "nmls_id": 2784335, "slug": "dan-smith-2784335", "full_name": "Dan Smith", "canonical_url": "https://lendb.ai/lo/dan-smith-2784335", "json_url": "https://lendb.ai/lo/dan-smith-2784335.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": "Bloomington", "state": "IN" }, "licensed_states": [ "IN" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 15, "lender_profile_url": "https://www.ruoff.com/DanSmith" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "Branch in Indiana", "15 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/dan-smith-2784335" }, { "rank": 14, "score": 43.3, "loan_officer": { "nmls_id": 1128672, "slug": "arnell-brady-1128672", "full_name": "Arnell Brady II", "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672", "json_url": "https://lendb.ai/lo/arnell-brady-1128672.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "AR", "AZ", "CA", "GA", "IL", "IN", "MD", "MI", "MO", "NV", "TX" ], "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/3500-south-king-drive-hla-1128672" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "3 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672" }, { "rank": 15, "score": 42.5, "loan_officer": { "nmls_id": 650420, "slug": "jennifer-terhune-650420", "full_name": "Jennifer Terhune", "canonical_url": "https://lendb.ai/lo/jennifer-terhune-650420", "json_url": "https://lendb.ai/lo/jennifer-terhune-650420.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Chandler", "state": "IN" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://mortgage.usbank.com/in/chandler/jennifer-terhune-650420" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jennifer-terhune-650420" }, { "rank": 16, "score": 42.3, "loan_officer": { "nmls_id": 563900, "slug": "corin-vandenberg-563900", "full_name": "Corey Vandenberg", "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900", "json_url": "https://lendb.ai/lo/corin-vandenberg-563900.json", "lender": { "nmls_id": 130562, "name": "Success Mortgage Partners", "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562", "type": "imb" }, "branch": { "city": "Grand Rapids", "state": "MI" }, "licensed_states": [ "FL", "CA", "GA", "IL", "IN", "KS", "KY", "MI", "OH", "TX" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "years_experience": null, "lender_profile_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "9 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900" }, { "rank": 17, "score": 42.3, "loan_officer": { "nmls_id": 763395, "slug": "karan-rastall-763395", "full_name": "Karan Rastall", "canonical_url": "https://lendb.ai/lo/karan-rastall-763395", "json_url": "https://lendb.ai/lo/karan-rastall-763395.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "IN" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 15, "lender_profile_url": "https://www.ruoff.com/KaranRastall" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "15 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/karan-rastall-763395" }, { "rank": 18, "score": 40.8, "loan_officer": { "nmls_id": 12319, "slug": "anthony-desano-12319", "full_name": "Anthony Desano", "canonical_url": "https://lendb.ai/lo/anthony-desano-12319", "json_url": "https://lendb.ai/lo/anthony-desano-12319.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Middletown", "state": "RI" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CT", "GA", "IN", "KY", "MA", "MD", "MI", "MS", "NC", "NH", "NJ", "NM", "NY", "OH", "PA", "RI", "TN", "TX", "VA", "WV" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 6, "years_experience": 19, "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/anthony-desano" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "6 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/anthony-desano-12319" }, { "rank": 19, "score": 40.8, "loan_officer": { "nmls_id": 162437, "slug": "jeffrey-hammel-162437", "full_name": "Jeff Hammel", "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437", "json_url": "https://lendb.ai/lo/jeffrey-hammel-162437.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "AL", "GA", "IA", "IL", "IN", "KY", "MI", "MN", "NC", "OH", "PA", "SC", "TN", "TX", "VA", "WI" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 8, "years_experience": 32, "lender_profile_url": "https://www.ruoff.com/JeffHammel" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "8 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437" }, { "rank": 20, "score": 40.3, "loan_officer": { "nmls_id": 1312244, "slug": "jordan-heatherly-1312244", "full_name": "Jordan Heatherly", "canonical_url": "https://lendb.ai/lo/jordan-heatherly-1312244", "json_url": "https://lendb.ai/lo/jordan-heatherly-1312244.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Brentwood", "state": "TN" }, "licensed_states": [ "FL", "AL", "AR", "GA", "IN", "KY", "ME", "MO", "OH", "PA", "SD", "TN", "TX" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "recent-credit-event", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": 10, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jordan-heatherly" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "5 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jordan-heatherly-1312244" }, { "rank": 21, "score": 36.5, "loan_officer": { "nmls_id": 107784, "slug": "jim-wirtes-107784", "full_name": "Jim Wirtes", "canonical_url": "https://lendb.ai/lo/jim-wirtes-107784", "json_url": "https://lendb.ai/lo/jim-wirtes-107784.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "West Lafayette", "state": "IN" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/in/west-lafayette/309-sagamore-pkwy-w-hla-107784" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jim-wirtes-107784" }, { "rank": 22, "score": 36.5, "loan_officer": { "nmls_id": 443611, "slug": "jeff-taylor-443611", "full_name": "Jeff Taylor", "canonical_url": "https://lendb.ai/lo/jeff-taylor-443611", "json_url": "https://lendb.ai/lo/jeff-taylor-443611.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Plainfield", "state": "IN" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/in/plainfield/807-southfield-dr-hla-443611" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/jeff-taylor-443611" }, { "rank": 23, "score": 36.5, "loan_officer": { "nmls_id": 1339397, "slug": "ashley-foulkes-1339397", "full_name": "Ashley Foulkes", "canonical_url": "https://lendb.ai/lo/ashley-foulkes-1339397", "json_url": "https://lendb.ai/lo/ashley-foulkes-1339397.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Elkhart", "state": "IN" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/in/elkhart/3530-cassopolis-st-hla-1339397" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/ashley-foulkes-1339397" }, { "rank": 24, "score": 36.5, "loan_officer": { "nmls_id": 1809330, "slug": "rob-dehoff-1809330", "full_name": "Rob DeHoff", "canonical_url": "https://lendb.ai/lo/rob-dehoff-1809330", "json_url": "https://lendb.ai/lo/rob-dehoff-1809330.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Shelbyville", "state": "IN" }, "licensed_states": [], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/in/shelbyville/1828-e-state-road-44-hla-1809330" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/rob-dehoff-1809330" }, { "rank": 25, "score": 28.8, "loan_officer": { "nmls_id": 562084, "slug": "dirk-webster-562084", "full_name": "Dirk Webster", "canonical_url": "https://lendb.ai/lo/dirk-webster-562084", "json_url": "https://lendb.ai/lo/dirk-webster-562084.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": "OH" }, "licensed_states": [ "AL", "IN", "OH" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://www.ruoff.com/DirkWebster" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Licensed in IN (listed on lender page, verified 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/dirk-webster-562084" } ] }