---
canonical_url: https://lendb.ai/s/heloc/ohio
last_verified: 2026-10-09
---

# HELOC loan officers in Ohio

As of 2026-10-09, LenDb lists 202 loan officers licensed in or based in Ohio whose lender pages show HELOC work. The top-ranked are Tom Lade (CrossCountry Mortgage, Columbus), Ryan Underwood (CrossCountry Mortgage, Independence) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Tom Lade](https://lendb.ai/lo/thomas-lade-962607)** (NMLS 962607), CrossCountry Mortgage, Columbus, OH
   - 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
2. **[Ryan Underwood](https://lendb.ai/lo/ryan-underwood-1886806)** (NMLS 1886806), CrossCountry Mortgage, Independence, OH
   - 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
3. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH
   - 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
   - 3 years licensed
   - No disciplinary actions on file at LenDb
4. **[Kevin Koscinski](https://lendb.ai/lo/kevin-koscinski-518521)** (NMLS 518521), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
5. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in OH (listed on lender page, verified 2026-10-09)
   - 14 years licensed
   - No disciplinary actions on file at LenDb
6. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in OH (listed on lender page, verified 2026-10-09)
   - 1 years licensed
   - No disciplinary actions on file at LenDb
7. **[Sara Teague](https://lendb.ai/lo/sara-teague-450910)** (NMLS 450910), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
8. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation
   - 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
9. **[Desmond Morgan](https://lendb.ai/lo/desmond-morgan-1118195)** (NMLS 1118195), Loan Factory
   - 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
10. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation
   - 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
11. **[Jared Maxwell](https://lendb.ai/lo/jared-maxwell-19167)** (NMLS 19167), Embrace Home Loans, Middletown, RI
   - 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
12. **[Michelle Krusmark](https://lendb.ai/lo/michelle-krusmark-2717683)** (NMLS 2717683), Xpert Home Lending
   - 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
13. **[Luis F Soto Santiago](https://lendb.ai/lo/luis-f-soto-santiago-2063004)** (NMLS 2063004), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
14. **[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)
   - 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
15. **[Edward Weber](https://lendb.ai/lo/edward-weber-41763)** (NMLS 41763), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
16. **[Tammy R Manley](https://lendb.ai/lo/tammy-r-manley-1855865)** (NMLS 1855865), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
17. **[Ben Isaac](https://lendb.ai/lo/ben-isaac-1863478)** (NMLS 1863478), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
18. **[Greg Gladman](https://lendb.ai/lo/greg-gladman-2114144)** (NMLS 2114144), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
19. **[Zach Nichols](https://lendb.ai/lo/zach-nichols-2354495)** (NMLS 2354495), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
20. **[Luke Mikulec](https://lendb.ai/lo/luke-mikulec-2713255)** (NMLS 2713255), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
21. **[Staci Peerenboom](https://lendb.ai/lo/staci-peerenboom-2812955)** (NMLS 2812955), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
22. **[Jose Escobar](https://lendb.ai/lo/jose-escobar-2545286)** (NMLS 2545286), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
23. **[Rosmery Sarduy](https://lendb.ai/lo/rosmery-sarduy-2713898)** (NMLS 2713898), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
24. **[Barry Kilbarger](https://lendb.ai/lo/barry-kilbarger-497337)** (NMLS 497337), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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
25. **[Leslee R Hahn](https://lendb.ai/lo/leslee-r-hahn-1280489)** (NMLS 1280489), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH
   - 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

## 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/ohio.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._