{
  "canonical_url": "https://lendb.ai/s/heloc/pennsylvania",
  "summary": "As of 2026-10-10, LenDb lists 37 loan officers licensed in or based in Pennsylvania whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Kris Hermann (Lit Financial Corporation) and Daniel Rosenblatt (Newrez, Fort Washington). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "PA",
  "total": 37,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 61.3,
      "loan_officer": {
        "nmls_id": 233747,
        "slug": "emmett-clark-233747",
        "full_name": "Emmett Clark",
        "canonical_url": "https://lendb.ai/lo/emmett-clark-233747",
        "json_url": "https://lendb.ai/lo/emmett-clark-233747.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": [
          "CO",
          "FL",
          "PA",
          "AL",
          "AZ",
          "CA",
          "HI",
          "IA",
          "ID",
          "KS",
          "KY",
          "MO",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 119284), verified 2026-10-10",
        "Licensed since 2024 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/emmett-clark-233747",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 119284), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 57.3,
      "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"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-10",
        "Licensed since 2015 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 1993020,
        "slug": "daniel-rosenblatt-1993020",
        "full_name": "Daniel Rosenblatt",
        "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020",
        "json_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "CO",
          "PA",
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/daniel-rosenblatt/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Washington, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 76423), verified 2026-10-10",
        "Licensed since 2023 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 76423), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 56,
      "loan_officer": {
        "nmls_id": 2748105,
        "slug": "jillian-faustino-2748105",
        "full_name": "Jillian Faustino",
        "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105",
        "json_url": "https://lendb.ai/lo/jillian-faustino-2748105.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/jillian-faustino/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Washington, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-10",
        "Licensed since 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 55,
      "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"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 79962), verified 2026-10-10",
        "Licensed since 2012 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 79962), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 34860,
        "slug": "gregory-rutolo-34860",
        "full_name": "Gregory Rutolo",
        "canonical_url": "https://lendb.ai/lo/gregory-rutolo-34860",
        "json_url": "https://lendb.ai/lo/gregory-rutolo-34860.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Medford",
          "state": "NJ"
        },
        "licensed_states": [
          "PA",
          "NJ"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/gregory-rutolo-34860",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 31344), verified 2026-10-10"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-rutolo-34860",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 31344), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "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"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50.8,
      "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": {
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}