LenDb.ai

Loan programs · Tennessee

HELOC loan officers in Tennessee

As of 2026-10-09, LenDb lists 112 loan officers licensed in or based in Tennessee whose lender pages show HELOC work. The top-ranked are Jason Reeves (Union Home Mortgage, Knoxville), Daniel McDermott (CrossCountry Mortgage, Montvale) and Erik Browning (CrossCountry Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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

    Jason ReevesNMLS 187200

    Union Home Mortgage · Knoxville, TN · licensed in 5 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • Branch in Tennessee
    • 5 years licensed
  2. 2

    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 TN (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • HELOC
    • DSCR loan
    • FHA loan
    • Self-employed
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Lisa CalfeeNMLS 2847725

    Highlands Residential Mortgage · Chattanooga, TN · licensed in 2 states

    • HELOC
    • Construction loan
    • Real estate investor
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • Branch in Tennessee
    • No disciplinary actions on file at LenDb
  5. 5

    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 TN (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Jim BrettlNMLS 455400

    Xpert Home Lending · Mortgage broker · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • HELOC
    • FHA loan
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • Branch in Tennessee
    • 5 years licensed
  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 TN (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

    Sam BromleyNMLS 1151654

    Xpert Home Lending · Mortgage broker · licensed in 10 states

    • HELOC
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    John JuarezNMLS 2525147

    Loan Factory · Mortgage broker · licensed in 2 states

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Matthew BrownNMLS 1254520

    Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Anthony DesanoNMLS 12319

    Embrace Home Loans · Middletown, RI · licensed in 24 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    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 TN (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Kane NavarroNMLS 1705907

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • HELOC
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    John KladisNMLS 2324532

    Loan Factory · Mortgage broker · licensed in 5 states

    • HELOC
    • 1099 income
    • Bank statement loan
    • Construction loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Jon DunckelNMLS 455608

    Homeowners Financial Group · Walnut Creek, CA · licensed in 7 states

    • HELOC
    • FHA loan
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  17. 17

    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 TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  18. 18

    Annette MartinNMLS 2384016

    Loan Factory · Mortgage broker · licensed in 4 states

    • HELOC
    • Real estate investor
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • HELOC
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Matthew HagerNMLS 1906682

    Xpert Home Lending · Mortgage broker · licensed in 4 states

    • HELOC
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Sharif BasetNMLS 2820377

    Loan Factory · Mortgage broker · Duluth, GA · licensed in 12 states

    • HELOC
    • Asset-based qualifying
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Ravi K BansalNMLS 2840451

    Loan Factory · Mortgage broker · Seattle, WA · licensed in 19 states

    • HELOC
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Donald GothardNMLS 207618

    Highlands Residential Mortgage · Allen, TX · licensed in 4 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  24. 24

    Emily GreenNMLS 1429849

    Churchill Mortgage · Meridian, ID · licensed in 12 states

    • HELOC
    • Reverse mortgage
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Daniel LimbergNMLS 33979

    Lit Financial Corporation · licensed in 11 states

    • HELOC
    • Jumbo loan
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 15 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 TN 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.