--- canonical_url: https://lendb.ai/s/heloc/missouri last_verified: 2026-10-09 --- # HELOC loan officers in Missouri As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Missouri whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park) and Julie Vari Adams (LeaderOne Financial, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in MO, 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) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 3. **[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) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) 4. **[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) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 5. **[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) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[John Markman](https://lendb.ai/lo/john-markman-1660491)** (NMLS 1660491), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 7. **[Lynn Muller](https://lendb.ai/lo/lynn-muller-448356)** (NMLS 448356), U.S. Bank, Earth City, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Earth City, MO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 8. **[Ken Holt](https://lendb.ai/lo/ken-holt-1367244)** (NMLS 1367244), U.S. Bank, Earth City, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Earth City, MO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[Joel Hansen](https://lendb.ai/lo/joel-hansen-1365271)** (NMLS 1365271), U.S. Bank, Earth City, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Earth City, MO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[Diamond Cherry](https://lendb.ai/lo/diamond-cherry-1629245)** (NMLS 1629245), U.S. Bank, Earth City, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Earth City, MO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 12. **[Jordan Heatherly](https://lendb.ai/lo/jordan-heatherly-1312244)** (NMLS 1312244), Churchill Mortgage, Brentwood, TN - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 13. **[Arnell Brady II](https://lendb.ai/lo/arnell-brady-1128672)** (NMLS 1128672), JPMorgan Chase Bank (Chase Home Lending), Chicago, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 14. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 15. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Scott Schneiderman](https://lendb.ai/lo/scott-schneiderman-219043)** (NMLS 219043), CrossCountry Mortgage, Chicago, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 17. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 18. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 19. **[David Pickering](https://lendb.ai/lo/david-pickering-12134)** (NMLS 12134), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 20. **[Luis Melgar](https://lendb.ai/lo/luis-melgar-1633114)** (NMLS 1633114), CrossCountry Mortgage, Naples, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 21. **[Drew Stacey](https://lendb.ai/lo/drew-stacey-728175)** (NMLS 728175), CrossCountry Mortgage, Blue Ash, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[Nic Hasselwander](https://lendb.ai/lo/nicholas-hasselwander-1499392)** (NMLS 1499392), CrossCountry Mortgage, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 23. **[Matt Schwartz](https://lendb.ai/lo/matthew-schwartz-151017)** (NMLS 151017), CrossCountry Mortgage, Southlake, TX - Lists HELOC on lender page (lender page, verified 2026-10-09) - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 24. **[Jeff Johnson](https://lendb.ai/lo/jeff-johnson-2565520)** (NMLS 2565520), CrossCountry Mortgage, Springfield, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Springfield, MO - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Elizabeth Daugherity](https://lendb.ai/lo/elizabeth-daugherity-2714140)** (NMLS 2714140), CrossCountry Mortgage, Springfield, MO - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Springfield, MO - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/missouri. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._