{
  "canonical_url": "https://lendb.ai/s/heloc/mississippi",
  "summary": "As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Mississippi whose lender pages show HELOC work. The top-ranked are Daniel McDermott (CrossCountry Mortgage, Montvale), Anthony Desano (Embrace Home Loans, Middletown) and Coleman Bales (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in MS, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "MS",
  "total": 23,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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 MS (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": 2,
      "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 MS (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": 3,
      "score": 37,
      "loan_officer": {
        "nmls_id": 1993122,
        "slug": "coleman-bales-1993122",
        "full_name": "Coleman Bales",
        "canonical_url": "https://lendb.ai/lo/coleman-bales-1993122",
        "json_url": "https://lendb.ai/lo/coleman-bales-1993122.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "DC",
          "GA",
          "LA",
          "MD",
          "MS",
          "NE",
          "NJ",
          "SC",
          "VA",
          "WA",
          "WI",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/coleman-bales/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/coleman-bales-1993122"
    },
    {
      "rank": 4,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2840451,
        "slug": "ravi-k-bansal-2840451",
        "full_name": "Ravi K Bansal",
        "canonical_url": "https://lendb.ai/lo/ravi-k-bansal-2840451",
        "json_url": "https://lendb.ai/lo/ravi-k-bansal-2840451.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "FL",
          "IA",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "ND",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ravi-k-bansal-2840451"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ravi-k-bansal-2840451"
    },
    {
      "rank": 5,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 63764,
        "slug": "christopher-keelin-63764",
        "full_name": "Christopher Keelin",
        "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764",
        "json_url": "https://lendb.ai/lo/christopher-keelin-63764.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Denville",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/christopher-keelin/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764"
    },
    {
      "rank": 6,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 2679422,
        "slug": "truitt-cotman-2679422",
        "full_name": "Truitt Cotman",
        "canonical_url": "https://lendb.ai/lo/truitt-cotman-2679422",
        "json_url": "https://lendb.ai/lo/truitt-cotman-2679422.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Gulfport",
          "state": "MS"
        },
        "licensed_states": [
          "LA",
          "MS"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/gulfport-ms-6503/truitt-cotman/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "Branch in Mississippi",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/truitt-cotman-2679422"
    },
    {
      "rank": 7,
      "score": 22,
      "loan_officer": {
        "nmls_id": 124493,
        "slug": "william-walker-124493",
        "full_name": "William Walker",
        "canonical_url": "https://lendb.ai/lo/william-walker-124493",
        "json_url": "https://lendb.ai/lo/william-walker-124493.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Madisonville",
          "state": "LA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "LA",
          "MS",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/madisonville-la-3651/william-walker/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/william-walker-124493"
    },
    {
      "rank": 8,
      "score": 20.8,
      "loan_officer": {
        "nmls_id": 151017,
        "slug": "matthew-schwartz-151017",
        "full_name": "Matt Schwartz",
        "canonical_url": "https://lendb.ai/lo/matthew-schwartz-151017",
        "json_url": "https://lendb.ai/lo/matthew-schwartz-151017.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Southlake",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CT",
          "GA",
          "IA",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "NY",
          "OH",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/southlake-tx-4882/matthew-schwartz/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-schwartz-151017"
    },
    {
      "rank": 9,
      "score": 20.8,
      "loan_officer": {
        "nmls_id": 1557610,
        "slug": "brian-weeks-1557610",
        "full_name": "Brian Weeks",
        "canonical_url": "https://lendb.ai/lo/brian-weeks-1557610",
        "json_url": "https://lendb.ai/lo/brian-weeks-1557610.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/overland-park-ks-4569/brian-weeks/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-weeks-1557610"
    },
    {
      "rank": 10,
      "score": 20.8,
      "loan_officer": {
        "nmls_id": 1876917,
        "slug": "heather-lewis-1876917",
        "full_name": "Heather Lewis",
        "canonical_url": "https://lendb.ai/lo/heather-lewis-1876917",
        "json_url": "https://lendb.ai/lo/heather-lewis-1876917.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Huntsville",
          "state": "AL"
        },
        "licensed_states": [
          "AL",
          "MS"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/huntsville-al-4180/heather-lewis/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-lewis-1876917"
    },
    {
      "rank": 11,
      "score": 20,
      "loan_officer": {
        "nmls_id": 208163,
        "slug": "ronald-kuhn-208163",
        "full_name": "Ron Kuhn",
        "canonical_url": "https://lendb.ai/lo/ronald-kuhn-208163",
        "json_url": "https://lendb.ai/lo/ronald-kuhn-208163.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "IL",
          "MS"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tempe-az-4950/ronald-kuhn/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-kuhn-208163"
    },
    {
      "rank": 12,
      "score": 19.5,
      "loan_officer": {
        "nmls_id": 2078583,
        "slug": "trent-turner-2078583",
        "full_name": "Trent Turner",
        "canonical_url": "https://lendb.ai/lo/trent-turner-2078583",
        "json_url": "https://lendb.ai/lo/trent-turner-2078583.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fayetteville",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "MS",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fayetteville-ga-4748/trent-turner/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in MS (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/trent-turner-2078583"
    },
    {
      "rank": 13,
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