--- canonical_url: https://lendb.ai/s/heloc/oregon last_verified: 2026-10-09 --- # HELOC loan officers in Oregon As of 2026-10-09, LenDb lists 36 loan officers licensed in or based in Oregon whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Daniel McDermott (CrossCountry Mortgage, Montvale) and Josh Reid (Guild Mortgage, Vancouver). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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) - OR 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. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 3. **[Josh Reid](https://lendb.ai/lo/josh-reid-409986)** (NMLS 409986), Guild Mortgage, Vancouver, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 4. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 5. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Vince Paul Ventura](https://lendb.ai/lo/vince-paul-ventura-9030)** (NMLS 9030), Guild Mortgage, Salem, OR - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Salem, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 8. **[Alejandra Barbosa Bonola](https://lendb.ai/lo/alejandra-barbosa-bonola-2641718)** (NMLS 2641718), JPMorgan Chase Bank (Chase Home Lending), Hillsboro, OR - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Hillsboro, OR - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[Jennifer Kim](https://lendb.ai/lo/jennifer-kim-113118)** (NMLS 113118), CrossCountry Mortgage, Seattle, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 10. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[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) - OR 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) 12. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 13. **[Sunny Larsen](https://lendb.ai/lo/sunny-larsen-505811)** (NMLS 505811), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 14. **[Anthony Grech](https://lendb.ai/lo/anthony-grech-977416)** (NMLS 977416), CrossCountry Mortgage, Southfield, MI - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 15. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 16. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 17. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (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) - OR 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. **[Bobbie Graves](https://lendb.ai/lo/bobbie-graves-1247781)** (NMLS 1247781), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 20. **[Justin Lieberman](https://lendb.ai/lo/justin-lieberman-17836)** (NMLS 17836), CrossCountry Mortgage, Union, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 21. **[David K. Clark III](https://lendb.ai/lo/david-k-clark-iii-1375791)** (NMLS 1375791), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 22. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 23. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[Kelly Hintz](https://lendb.ai/lo/kelly-hintz-450644)** (NMLS 450644), CrossCountry Mortgage, Scottsdale, AZ - Lists HELOC on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 25. **[Amy Coates](https://lendb.ai/lo/amy-coates-1110501)** (NMLS 1110501), CrossCountry Mortgage, Eugene, OR - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR 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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._