--- canonical_url: https://lendb.ai/s/heloc/south-carolina last_verified: 2026-10-09 --- # HELOC loan officers in South Carolina As of 2026-10-09, LenDb lists 45 loan officers licensed in or based in South Carolina whose lender pages show HELOC work. The top-ranked are Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park), James Burton (Southern Trust Mortgage, Mt Pleasant) and Tom Lade (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 2. **[James Burton](https://lendb.ai/lo/james-burton-2121317)** (NMLS 2121317), Southern Trust Mortgage, Mt Pleasant, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Mt Pleasant, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 3. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 4. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 5. **[Julia Woods](https://lendb.ai/lo/julia-woods-117269)** (NMLS 117269), Union Home Mortgage, Durham, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 8. **[Jason Garber](https://lendb.ai/lo/jason-garber-624255)** (NMLS 624255), JPMorgan Chase Bank (Chase Home Lending), Rock Hill, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Rock Hill, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Drew Wright](https://lendb.ai/lo/david-wright-589370)** (NMLS 589370), First Heritage Mortgage - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 11. **[Caroline Smith](https://lendb.ai/lo/caroline-smith-2107073)** (NMLS 2107073), First Heritage Mortgage - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Melissa Brounkowski Young](https://lendb.ai/lo/melissa-brounkowski-young-2027873)** (NMLS 2027873), Fairway Independent Mortgage Corporation, Greenwood, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Greenwood, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Laura Lawhon](https://lendb.ai/lo/laura-lawhon-1296821)** (NMLS 1296821), CrossCountry Mortgage, Summerville, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Summerville, SC - SC 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) 14. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Jay Crain Jr](https://lendb.ai/lo/john-crain-180361)** (NMLS 180361), CrossCountry Mortgage, Peachtree City, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 16. **[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) - SC 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) 17. **[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) - SC 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) 18. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 20. **[Phil Russo](https://lendb.ai/lo/philip-russo-8676)** (NMLS 8676), CrossCountry Mortgage, Wayne, PA - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 21. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 22. **[David Pickering](https://lendb.ai/lo/david-pickering-12134)** (NMLS 12134), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 23. **[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) - SC 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) 24. **[Nick Kristoff](https://lendb.ai/lo/nicholas-kristoff-379253)** (NMLS 379253), CrossCountry Mortgage, Bluffton, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Bluffton, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 25. **[Jennifer Pecci](https://lendb.ai/lo/jennifer-pecci-1237305)** (NMLS 1237305), CrossCountry Mortgage, Delray Beach, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) ## 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._