Loan programs · Kentucky

HELOC loan officers in Kentucky

As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in Kentucky whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Scott Browne (U.S. Bank, Owensboro) and Tom Lade (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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. 1

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • HELOC
    • First-time buyer
    • VA loan
    • FHA loan
    • KY 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. 2

    Scott BrowneNMLS 36371

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
    • Licensed since 2013 (per Florida records)
  3. 3

    Tom LadeNMLS 962607

    CrossCountry Mortgage · Columbus, OH · licensed in 10 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • KY 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 Florida records)
  4. 4

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • KY 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)
  5. 5

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Construction loan
    • KY 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 25 years of experience (lender page, 2026-10-09)
  6. 6

    Bill WhiteNMLS 2268018

    CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states

    • HELOC
    • First-time buyer
    • KY 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)
  7. 7

    Emily MayNMLS 444197

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • KY 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)
    • Office in Owensboro, KY
  8. 8

    Nancy ShortNMLS 1493583

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
    • Licensed since 2016 (per Florida records)
  9. 9

    Bobby DorganNMLS 2536169

    Loan Factory · Mortgage broker · licensed in 3 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • KY 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 2025 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  10. 10

    Eric BruerNMLS 738421

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
    • Licensed since 2016 (per Florida records)
  11. 11

    Aaron BelmerNMLS 400480

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  12. 12

    Chris DossNMLS 402076

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  13. 13

    Marketa ShouseNMLS 488904

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  14. 14

    Christopher RichardsNMLS 488915

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  15. 15

    Nicholas HobbsNMLS 1516208

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  16. 16

    Rebecca MartinNMLS 1891379

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  17. 17

    Rick TompkinsNMLS 472996

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  18. 18

    Michael ErdelNMLS 1610627

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
    • Licensed since 2020 (per Florida records)
  19. 19

    Ernest ChoiNMLS 88527

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  20. 20

    William "Bill" Conley IIINMLS 488941

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  21. 21

    Lance PeabodyNMLS 640253

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  22. 22

    Isabelle LopezNMLS 1501937

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
  23. 23

    Jonathan BazzellNMLS 738557

    U.S. Bank · Bank · Owensboro, KY

    • HELOC
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Owensboro, KY
    • Licensed since 2021 (per Florida records)
  24. 24

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • HELOC
    • First-time buyer
    • Recent credit event
    • KY 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)
  25. 25

    Vincent SmithNMLS 17499

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Louisville, KY

    • HELOC
    • Vacation home
    • VA loan
    • FHA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Louisville, KY

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?

More about HELOC

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 KY license is confirmed with the state regulator (check mark), KY 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=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.