{ "canonical_url": "https://lendb.ai/s/heloc/north-carolina", "summary": "As of 2026-10-09, LenDb lists 131 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), Tom Lade (CrossCountry Mortgage, Columbus) and Daniel McDermott (CrossCountry Mortgage, Montvale). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "NC", "total": 131, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 52.8, "loan_officer": { "nmls_id": 373644, "slug": "jacob-kuzman-373644", "full_name": "Jacob Kuzman", "canonical_url": "https://lendb.ai/lo/jacob-kuzman-373644", "json_url": "https://lendb.ai/lo/jacob-kuzman-373644.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Winter Park", "state": "FL" }, "licensed_states": [ "FL", "CA", "GA", "KS", "MO", "NC" ], "languages": [], "specialties": [ { "slug": "construction", "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": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 14, "years_experience": 20, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/jacob-kuzman" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/jacob-kuzman-373644" }, { "rank": 2, "score": 52.8, "loan_officer": { "nmls_id": 962607, "slug": "thomas-lade-962607", "full_name": "Tom Lade", "canonical_url": "https://lendb.ai/lo/thomas-lade-962607", "json_url": "https://lendb.ai/lo/thomas-lade-962607.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbus", "state": "OH" }, "licensed_states": [ "FL", "IN", "KY", "MD", "NC", "NV", "OH", "SC", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 6, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/thomas-lade/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/thomas-lade-962607" }, { "rank": 3, "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 NC (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": 4, "score": 51.8, "loan_officer": { "nmls_id": 117269, "slug": "julia-woods-117269", "full_name": "Julia Woods", "canonical_url": "https://lendb.ai/lo/julia-woods-117269", "json_url": "https://lendb.ai/lo/julia-woods-117269.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Durham", "state": "NC" }, "licensed_states": [ "FL", "NC", "SC", "VA" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 10, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/julia-woods/" }, "reasons": [ "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", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/julia-woods-117269" }, { "rank": 5, "score": 51.3, "loan_officer": { "nmls_id": 2268018, "slug": "william-white-2268018", "full_name": "Bill White", "canonical_url": "https://lendb.ai/lo/william-white-2268018", "json_url": "https://lendb.ai/lo/william-white-2268018.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cincinnati", "state": "OH" }, "licensed_states": [ "FL", "AL", "GA", "IL", "IN", "KY", "MI", "NC", "OH", "OK", "PA", "SC", "TX", "VA", "WI" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/william-white-2268018" }, { "rank": 6, "score": 50.3, "loan_officer": { "nmls_id": 2264602, "slug": "erik-browning-2264602", "full_name": "Erik Browning", "canonical_url": "https://lendb.ai/lo/erik-browning-2264602", "json_url": "https://lendb.ai/lo/erik-browning-2264602.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "DC", "ID", "MD", "NC", "OH", "OR", "TN", "TX", "VA", "WA" ], "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/erik-browning-2264602" }, { "rank": 7, "score": 48.8, "loan_officer": { "nmls_id": 1247814, "slug": "kris-hermann-1247814", "full_name": "Kris Hermann", "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "json_url": "https://lendb.ai/lo/kris-hermann-1247814.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CA", "CO", "IN", "NC", "NJ", "OH", "PA", "WA" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814" }, { "rank": 8, "score": 48, "loan_officer": { "nmls_id": 2806693, "slug": "stacy-todd-2806693", "full_name": "Kaley McLaughlin", "canonical_url": "https://lendb.ai/lo/stacy-todd-2806693", "json_url": "https://lendb.ai/lo/stacy-todd-2806693.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "NC", "SC" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 15, "lender_profile_url": "https://www.southerntrust.com/kaley-mclaughlin/" }, "reasons": [ "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)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/stacy-todd-2806693" }, { "rank": 9, "score": 46.8, "loan_officer": { "nmls_id": 450729, "slug": "jeffrey-zachow-450729", "full_name": "Jeffrey \"Zack\" Zachow", "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729", "json_url": "https://lendb.ai/lo/jeffrey-zachow-450729.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "GA", "NC", "PA", "VA" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729" }, { "rank": 10, "score": 45.3, "loan_officer": { "nmls_id": 19167, "slug": "jared-maxwell-19167", "full_name": "Jared Maxwell", "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167", "json_url": "https://lendb.ai/lo/jared-maxwell-19167.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", "AR", "AZ", "CT", "IN", "MA", "MD", "ME", "NC", "NH", "NJ", "NY", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WI" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": 21, "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/jared-maxwell" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167" }, { "rank": 11, "score": 45.3, "loan_officer": { "nmls_id": 455400, "slug": "jim-brettl-455400", "full_name": "Jim Brettl", "canonical_url": "https://lendb.ai/lo/jim-brettl-455400", "json_url": "https://lendb.ai/lo/jim-brettl-455400.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AL", "AZ", "CA", "GA", "ID", "LA", "NC", "NV", "OR", "PA", "TN", "TX", "WA" ], "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://xperthomelending.com/loan-directory/jim-brettl" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/jim-brettl-455400" }, { "rank": 12, "score": 45.3, "loan_officer": { "nmls_id": 2006286, "slug": "matthew-brady-2006286", "full_name": "Matthew Brady", "canonical_url": "https://lendb.ai/lo/matthew-brady-2006286", "json_url": "https://lendb.ai/lo/matthew-brady-2006286.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [ "FL", "NC", "SC" ], "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": 5, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-5357/matthew-brady/" }, "reasons": [ "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", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/matthew-brady-2006286" }, { "rank": 13, "score": 44.6, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 17, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505" }, { "rank": 14, "score": 43.8, "loan_officer": { "nmls_id": 2765982, "slug": "dan-murphy-2765982", "full_name": "Dan Murphy", "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982", "json_url": "https://lendb.ai/lo/dan-murphy-2765982.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Chevy Chase", "state": "MD" }, "licensed_states": [ "DC", "DE", "MD", "NC", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/dan-murphy/" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982" }, { "rank": 15, "score": 43, "loan_officer": { "nmls_id": 2503420, "slug": "lekh-sharma-2503420", "full_name": "Lekh Sharma", "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420", "json_url": "https://lendb.ai/lo/lekh-sharma-2503420.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "High Point", "state": "NC" }, "licensed_states": [ "GA", "NC", "TX", "VA" ], "languages": [ "en", "hi", "ne", "ur" ], "specialties": [ { "slug": "first-time-buyer", "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": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nc/highpoint/lekh-sharma-645-chlsha.html" }, "reasons": [ "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" ], "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420" }, { "rank": 16, "score": 42, "loan_officer": { "nmls_id": 2814460, "slug": "caleb-morton-2814460", "full_name": "Caleb Morton", "canonical_url": "https://lendb.ai/lo/caleb-morton-2814460", "json_url": "https://lendb.ai/lo/caleb-morton-2814460.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "NC" ], "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, 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