---
canonical_url: https://lendb.ai/s/heloc/kentucky
last_verified: 2026-10-11
---

# HELOC loan officers in Kentucky

As of 2026-10-11, LenDb lists 51 loan officers licensed in or based in Kentucky whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Jill Lyons (CMG Home Loans, Reno) and Scott Browne (U.S. Bank, Owensboro). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 9, 2024 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Jill Lyons](https://lendb.ai/lo/jill-lyons-206346)** (NMLS 206346), CMG Home Loans, Reno, NV
   - Lists HELOC on lender page (lender page, verified 2026-10-11)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 12, 2011 (Florida), per state regulator
3. **[Scott Browne](https://lendb.ai/lo/scott-browne-36371)** (NMLS 36371), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: May 22, 2013 (Florida), per state regulator
4. **[Tom Lade](https://lendb.ai/lo/thomas-lade-962607)** (NMLS 962607), CrossCountry Mortgage, Columbus, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: October 5, 2020 (Florida), per state regulator
5. **[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)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 9, 2012 (Florida), per state regulator
6. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: May 11, 2017 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
7. **[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)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 9, 2022 (Florida), per state regulator
8. **[Emily May](https://lendb.ai/lo/emily-may-444197)** (NMLS 444197), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Nancy Short](https://lendb.ai/lo/nancy-short-1493583)** (NMLS 1493583), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: December 15, 2016 (Florida), per state regulator
10. **[Bobby Dorgan](https://lendb.ai/lo/robert-dorgan-2536169)** (NMLS 2536169), Loan Factory
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 1, 2025 (Florida), per state regulator
   - States 18 years of experience (lender page, 2026-10-09)
11. **[Eric Bruer](https://lendb.ai/lo/eric-bruer-738421)** (NMLS 738421), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: October 10, 2016 (Florida), per state regulator
12. **[Connor Farley](https://lendb.ai/lo/connor-farley-2516301)** (NMLS 2516301), Lower, Columbus, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-10)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: May 3, 2024 (Florida), per state regulator
13. **[Aaron Belmer](https://lendb.ai/lo/aaron-belmer-400480)** (NMLS 400480), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
14. **[Chris Doss](https://lendb.ai/lo/chris-doss-402076)** (NMLS 402076), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
15. **[Marketa Shouse](https://lendb.ai/lo/marketa-shouse-488904)** (NMLS 488904), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
16. **[Christopher Richards](https://lendb.ai/lo/christopher-richards-488915)** (NMLS 488915), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
17. **[Nicholas Hobbs](https://lendb.ai/lo/nicholas-hobbs-1516208)** (NMLS 1516208), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
18. **[Rebecca Martin](https://lendb.ai/lo/rebecca-martin-1891379)** (NMLS 1891379), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
19. **[Rick Tompkins](https://lendb.ai/lo/rick-tompkins-472996)** (NMLS 472996), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
20. **[Michael Erdel](https://lendb.ai/lo/michael-erdel-1610627)** (NMLS 1610627), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: October 6, 2020 (Florida), per state regulator
21. **[Ernest Choi](https://lendb.ai/lo/ernest-choi-88527)** (NMLS 88527), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
22. **[William "Bill" Conley III](https://lendb.ai/lo/william-bill-conley-iii-488941)** (NMLS 488941), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
23. **[Lance Peabody](https://lendb.ai/lo/lance-peabody-640253)** (NMLS 640253), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
24. **[Isabelle Lopez](https://lendb.ai/lo/isabelle-lopez-1501937)** (NMLS 1501937), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
25. **[Jonathan Bazzell](https://lendb.ai/lo/jonathan-bazzell-738557)** (NMLS 738557), U.S. Bank, Owensboro, KY
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Owensboro, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: February 16, 2021 (Florida), per state regulator

## 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/kentucky.

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