{ "canonical_url": "https://lendb.ai/s/heloc/tennessee", "summary": "As of 2026-10-09, LenDb lists 60 loan officers licensed in or based in Tennessee whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Daniel McDermott (CrossCountry Mortgage, Montvale) and Dan Larkin (LeaderOne Financial, Oak Brook). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "TN", "total": 60, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 58.3, "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)", "TN 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)" ], "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 52, "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": "lender_reported" }, { "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)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2012 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/montvale-nj-4328/daniel-mcdermott/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "KS", "KY", "MD", "MI", "MN", "MO", "NC", "SC", "TN", "TX", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN 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)" ], "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 50.3, "loan_officer": { "nmls_id": 2264602, "slug": "erik-browning-2264602", "full_name": "Erik Browning", "canonical_url": "https://lendb.ai/lo/erik-browning-2264602", "json_url": "https://lendb.ai/lo/erik-browning-2264602.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "DC", "ID", "MD", "NC", "OH", "OR", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/erik-browning-2264602", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/scottsdale-az-4538/erik-browning/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 47.8, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "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": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "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" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 47.3, "loan_officer": { "nmls_id": 1312244, "slug": "jordan-heatherly-1312244", "full_name": "Jordan Heatherly", "canonical_url": "https://lendb.ai/lo/jordan-heatherly-1312244", "json_url": "https://lendb.ai/lo/jordan-heatherly-1312244.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Brentwood", "state": "TN" }, "licensed_states": [ "FL", "PA", "AL", "AR", "GA", "IN", "KY", "ME", "MO", "OH", "SD", "TN", "TX" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "recent-credit-event", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jordan-heatherly", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Brentwood, TN", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jordan-heatherly-1312244", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.churchillmortgage.com/loan-officers/jordan-heatherly" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 43.3, "loan_officer": { "nmls_id": 2122934, "slug": "desiree-byrne-2122934", "full_name": "Desiree' Byrne", "canonical_url": "https://lendb.ai/lo/desiree-byrne-2122934", "json_url": "https://lendb.ai/lo/desiree-byrne-2122934.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "IA", "IN", "MN", "MO", "NC", "NM", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://xperthomelending.com/loan-directory/desiree-byrne", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/desiree-byrne-2122934", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/desiree-byrne" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 42.8, "loan_officer": { "nmls_id": 2107073, "slug": "caroline-smith-2107073", "full_name": "Caroline Smith", "canonical_url": "https://lendb.ai/lo/caroline-smith-2107073", "json_url": "https://lendb.ai/lo/caroline-smith-2107073.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "GA", "NC", "SC", "TN" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "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://fhmtg.com/officers/caroline-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-crain-180361", "license_check": { "state": "TN", "confidence": "lender_reported", "eligible": true, "label": "TN 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/peachtree-city-ga-4735/john-crain-jr/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 27.8, "loan_officer": { "nmls_id": 211792, "slug": "debbie-johnston-211792", "full_name": "Debbie Johnston", "canonical_url": "https://lendb.ai/lo/debbie-johnston-211792", "json_url": "https://lendb.ai/lo/debbie-johnston-211792.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Acworth", "state": "GA" }, "licensed_states": [ "AL", "GA", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 40, "lender_profile_url": "https://crosscountrymortgage.com/acworth-ga-4726/debra-johnston/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "TN listed on their lender page (not yet checked with the state regulator; 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