LenDb.ai

Loan programs · North Carolina

HELOC loan officers in North Carolina

As of 2026-10-09, LenDb lists 118 loan officers licensed in or based in North Carolina whose lender pages show HELOC work. The top-ranked are Jacob Kuzman (LeaderOne Financial, Winter Park), Julia Woods (Union Home Mortgage, Durham) and Tom Lade (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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

    Jacob KuzmanNMLS 373644

    LeaderOne Financial · Winter Park, FL · licensed in 6 states

    • HELOC
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Julia WoodsNMLS 117269

    Union Home Mortgage · Durham, NC · licensed in 4 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • 10 years licensed
  3. 3

    Tom LadeNMLS 962607

    CrossCountry Mortgage · Columbus, OH · licensed in 10 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Kaley McLaughlinNMLS 2806693

    Southern Trust Mortgage · Wilmington, NC · licensed in 2 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • 15 years experience (stated on lender page, 2026-10-09)
  6. 6

    Jeffrey "Zack" ZachowNMLS 450729

    Loan Factory · licensed in 5 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Reverse mortgage
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • HELOC
    • DSCR loan
    • FHA loan
    • Self-employed
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Jared MaxwellNMLS 19167

    Embrace Home Loans · Middletown, RI · licensed in 23 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Jim BrettlNMLS 455400

    Xpert Home Lending · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Matthew BradyNMLS 2006286

    CrossCountry Mortgage · Charlotte, NC · licensed in 3 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • 5 years licensed
  11. 11

    Kris HermannNMLS 1247814

    Lit Financial Corporation · licensed in 8 states

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Dan MurphyNMLS 2765982

    First Home Mortgage · Chevy Chase, MD · licensed in 6 states

    • HELOC
    • Co-op
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Lekh SharmaNMLS 2503420

    Guild Mortgage · High Point, NC · licensed in 4 states

    • HELOC
    • First-time buyer
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • No disciplinary actions on file at LenDb
  15. 15

    Steve MedinaNMLS 1900697

    CrossCountry Mortgage · Durham, NC · licensed in 2 states

    • HELOC
    • VA loan
    • Real estate investor
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • No disciplinary actions on file at LenDb
  16. 16

    Caleb MortonNMLS 2814460

    Southern Trust Mortgage · Wilmington, NC

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • Branch in North Carolina
    • No disciplinary actions on file at LenDb
  17. 17

    Tyler BergNMLS 1681256

    CrossCountry Mortgage · Columbus, OH · licensed in 16 states

    • HELOC
    • Down payment assistance
    • Jumbo loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Anthony DesanoNMLS 12319

    Embrace Home Loans · Middletown, RI · licensed in 24 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Jeff HammelNMLS 162437

    Ruoff Mortgage · licensed in 17 states

    • HELOC
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Justin BurrisNMLS 659024

    CrossCountry Mortgage · Charlotte, NC

    • HELOC
    • First-time buyer
    • Construction loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in North Carolina; no license list on file yet, verify at NMLS Consumer Access
    • 24 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Aristides SotoNMLS 2178368

    Barrett Financial Group · Gilbert, AZ · licensed in 4 states

    • HELOC
    • Self-employed
    • 1099 income
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Danny DrysdaleNMLS 874523

    Intercap Lending · San Diego, CA · licensed in 12 states

    • HELOC
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Drew WrightNMLS 589370

    First Heritage Mortgage · licensed in 5 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Teyona StewartNMLS 2215853

    First Citizens Bank · La Jolla, CA · licensed in 35 states

    • HELOC
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in NC (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

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 must be licensed in NC or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.