{
  "canonical_url": "https://lendb.ai/s/heloc/ohio",
  "summary": "As of 2026-10-09, LenDb lists 264 loan officers licensed in or based in Ohio whose lender pages show HELOC work. The top-ranked are Tom Lade (CrossCountry Mortgage, Columbus), Kevin Koscinski (JPMorgan Chase Bank (Chase Home Lending), Columbus) and Desmond Morgan (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "OH",
  "total": 264,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "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"
        },
        "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 OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-lade-962607"
    },
    {
      "rank": 2,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 518521,
        "slug": "kevin-koscinski-518521",
        "full_name": "Kevin Koscinski",
        "canonical_url": "https://lendb.ai/lo/kevin-koscinski-518521",
        "json_url": "https://lendb.ai/lo/kevin-koscinski-518521.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-518521"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-koscinski-518521"
    },
    {
      "rank": 3,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1118195,
        "slug": "desmond-morgan-1118195",
        "full_name": "Desmond Morgan",
        "canonical_url": "https://lendb.ai/lo/desmond-morgan-1118195",
        "json_url": "https://lendb.ai/lo/desmond-morgan-1118195.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "GA",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/desmond-morgan-1118195"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/desmond-morgan-1118195"
    },
    {
      "rank": 4,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 1681256,
        "slug": "tyler-berg-1681256",
        "full_name": "Tyler Berg",
        "canonical_url": "https://lendb.ai/lo/tyler-berg-1681256",
        "json_url": "https://lendb.ai/lo/tyler-berg-1681256.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "KY",
          "MD",
          "NC",
          "NJ",
          "OH",
          "SC",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/tyler-berg/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-berg-1681256"
    },
    {
      "rank": 5,
      "score": 46.1,
      "loan_officer": {
        "nmls_id": 450910,
        "slug": "sara-teague-450910",
        "full_name": "Sara Teague",
        "canonical_url": "https://lendb.ai/lo/sara-teague-450910",
        "json_url": "https://lendb.ai/lo/sara-teague-450910.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 14,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-450910"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "14 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sara-teague-450910"
    },
    {
      "rank": 6,
      "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"
        },
        "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 OH (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": 7,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 2717683,
        "slug": "michelle-krusmark-2717683",
        "full_name": "Michelle Krusmark",
        "canonical_url": "https://lendb.ai/lo/michelle-krusmark-2717683",
        "json_url": "https://lendb.ai/lo/michelle-krusmark-2717683.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CO",
          "OH",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/michelle-krusmark"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-krusmark-2717683"
    },
    {
      "rank": 8,
      "score": 44.8,
      "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"
        },
        "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 OH (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": 9,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1939836,
        "slug": "wenchell-aurelien-1939836",
        "full_name": "Wenchell Aurelien",
        "canonical_url": "https://lendb.ai/lo/wenchell-aurelien-1939836",
        "json_url": "https://lendb.ai/lo/wenchell-aurelien-1939836.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "ht"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 10,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1939836"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "10 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/wenchell-aurelien-1939836"
    },
    {
      "rank": 10,
      "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"
        },
        "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 OH (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": 11,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 255833,
        "slug": "james-abdallah-255833",
        "full_name": "James Abdallah",
        "canonical_url": "https://lendb.ai/lo/james-abdallah-255833",
        "json_url": "https://lendb.ai/lo/james-abdallah-255833.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CO",
          "GA",
          "IA",
          "IL",
          "KS",
          "ME",
          "MI",
          "MN",
          "ND",
          "OH",
          "OK",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 22,
        "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abdallah-255833"
    },
    {
      "rank": 12,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 563900,
        "slug": "corin-vandenberg-563900",
        "full_name": "Corey Vandenberg",
        "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900",
        "json_url": "https://lendb.ai/lo/corin-vandenberg-563900.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562"
        },
        "branch": {
          "city": "Grand Rapids",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "OH",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "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": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900"
    },
    {
      "rank": 13,
      "score": 42.1,
      "loan_officer": {
        "nmls_id": 2354495,
        "slug": "zach-nichols-2354495",
        "full_name": "Zach Nichols",
        "canonical_url": "https://lendb.ai/lo/zach-nichols-2354495",
        "json_url": "https://lendb.ai/lo/zach-nichols-2354495.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 4,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2354495"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "4 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/zach-nichols-2354495"
    },
    {
      "rank": 14,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520"
    },
    {
      "rank": 15,
      "score": 40.9,
      "loan_officer": {
        "nmls_id": 2869520,
        "slug": "thomas-bastidas-2869520",
        "full_name": "Thomas Bastidas",
        "canonical_url": "https://lendb.ai/lo/thomas-bastidas-2869520",
        "json_url": "https://lendb.ai/lo/thomas-bastidas-2869520.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "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": null,
        "years_experience": 1,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2869520"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "1 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-bastidas-2869520"
    },
    {
      "rank": 16,
      "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"
        },
        "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 OH (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": 17,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 162437,
        "slug": "jeffrey-hammel-162437",
        "full_name": "Jeff Hammel",
        "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437",
        "json_url": "https://lendb.ai/lo/jeffrey-hammel-162437.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IA",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 32,
        "lender_profile_url": "https://www.ruoff.com/JeffHammel"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437"
    },
    {
      "rank": 18,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 497698,
        "slug": "ryan-miracle-497698",
        "full_name": "Ryan Miracle",
        "canonical_url": "https://lendb.ai/lo/ryan-miracle-497698",
        "json_url": "https://lendb.ai/lo/ryan-miracle-497698.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 19,
        "lender_profile_url": "https://www.ruoff.com/RyanMiracle"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-miracle-497698"
    },
    {
      "rank": 19,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1536544,
        "slug": "jomayra-ayala-1536544",
        "full_name": "Jomayra Ayala",
        "canonical_url": "https://lendb.ai/lo/jomayra-ayala-1536544",
        "json_url": "https://lendb.ai/lo/jomayra-ayala-1536544.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1536544"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jomayra-ayala-1536544"
    },
    {
      "rank": 20,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2063004,
        "slug": "luis-f-soto-santiago-2063004",
        "full_name": "Luis F Soto Santiago",
        "canonical_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004",
        "json_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2063004"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004"
    },
    {
      "rank": 21,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2545286,
        "slug": "jose-escobar-2545286",
        "full_name": "Jose Escobar",
        "canonical_url": "https://lendb.ai/lo/jose-escobar-2545286",
        "json_url": "https://lendb.ai/lo/jose-escobar-2545286.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2545286"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-escobar-2545286"
    },
    {
      "rank": 22,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2713898,
        "slug": "rosmery-sarduy-2713898",
        "full_name": "Rosmery Sarduy",
        "canonical_url": "https://lendb.ai/lo/rosmery-sarduy-2713898",
        "json_url": "https://lendb.ai/lo/rosmery-sarduy-2713898.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2713898"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rosmery-sarduy-2713898"
    },
    {
      "rank": 23,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2829581,
        "slug": "michelle-porta-2829581",
        "full_name": "Michelle Porta",
        "canonical_url": "https://lendb.ai/lo/michelle-porta-2829581",
        "json_url": "https://lendb.ai/lo/michelle-porta-2829581.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2829581"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-porta-2829581"
    },
    {
      "rank": 24,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 41763,
        "slug": "edward-weber-41763",
        "full_name": "Edward Weber",
        "canonical_url": "https://lendb.ai/lo/edward-weber-41763",
        "json_url": "https://lendb.ai/lo/edward-weber-41763.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "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://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-41763"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/edward-weber-41763"
    },
    {
      "rank": 25,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1855865,
        "slug": "tammy-r-manley-1855865",
        "full_name": "Tammy R Manley",
        "canonical_url": "https://lendb.ai/lo/tammy-r-manley-1855865",
        "json_url": "https://lendb.ai/lo/tammy-r-manley-1855865.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1855865"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Ohio; no license list on file yet, verify at NMLS Consumer Access",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tammy-r-manley-1855865"
    }
  ]
}