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Loan programs · South Carolina

HELOC loan officers in South Carolina

As of 2026-10-09, LenDb lists 78 loan officers licensed in or based in South Carolina whose lender pages show HELOC work. The top-ranked are Tom Lade (CrossCountry Mortgage, Columbus), James Burton (Southern Trust Mortgage, Mt Pleasant) and Daniel McDermott (CrossCountry Mortgage, Montvale). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Tom LadeNMLS 962607

    CrossCountry Mortgage · Columbus, OH · licensed in 10 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    James BurtonNMLS 2121317

    Southern Trust Mortgage · Mt Pleasant, SC · licensed in 3 states

    • HELOC
    • First-time buyer
    • Vacation home
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 3 years licensed
  3. 3

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Bill WhiteNMLS 2268018

    CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Julia WoodsNMLS 117269

    Union Home Mortgage · Durham, NC · licensed in 4 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Jared MaxwellNMLS 19167

    Embrace Home Loans · Middletown, RI · licensed in 23 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (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
  9. 9

    Jason GarberNMLS 624255

    JPMorgan Chase Bank (Chase Home Lending) · Rock Hill, SC

    • HELOC
    • Self-employed
    • Vacation home
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in South Carolina; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  10. 10

    Kaley McLaughlinNMLS 2806693

    Southern Trust Mortgage · Wilmington, NC · licensed in 2 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 15 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Melissa Brounkowski YoungNMLS 2027873

    Fairway Independent Mortgage Corporation · Greenwood, SC · licensed in 2 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • No disciplinary actions on file at LenDb
  12. 12

    Jeff HammelNMLS 162437

    Ruoff Mortgage · licensed in 17 states

    • HELOC
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Susan van de PollNMLS 831038

    Xpert Home Lending · Mortgage broker · Colorado · licensed in 4 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Drew WrightNMLS 589370

    First Heritage Mortgage · licensed in 5 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Teyona StewartNMLS 2215853

    First Citizens Bank · La Jolla, CA · licensed in 35 states

    • HELOC
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  16. 16

    Coleman BalesNMLS 1993122

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 15 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Laura LawhonNMLS 1296821

    CrossCountry Mortgage · Summerville, SC

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 20 years experience (stated on lender page, 2026-10-09)
  18. 18

    Chris OdiorneNMLS 381169

    CrossCountry Mortgage · Daniel Island, SC · licensed in 6 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 15 years licensed
  19. 19

    Phil CrescenzoNMLS 95618

    CrossCountry Mortgage · Daniel Island, SC · licensed in 6 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 13 years licensed
  20. 20

    Linda RessaNMLS 406272

    CrossCountry Mortgage · Hauppauge, NY · licensed in 10 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Phil RussoNMLS 8676

    CrossCountry Mortgage · Wayne, PA · licensed in 27 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Brandon AndrewsNMLS 65043

    CrossCountry Mortgage · Daniel Island, SC · licensed in 6 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 3 years licensed
  24. 24

    Nick KristoffNMLS 379253

    CrossCountry Mortgage · Bluffton, SC · licensed in 6 states

    • HELOC
    • Condo
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • Branch in South Carolina
    • 3 years licensed
  25. 25

    David PickeringNMLS 12134

    CrossCountry Mortgage · Cleveland, OH · licensed in 28 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in SC (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.

  • 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?

More about HELOC

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in SC or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=SC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.