{
  "canonical_url": "https://lendb.ai/s/heloc/virginia",
  "summary": "As of 2026-10-09, LenDb lists 76 loan officers licensed in or based in Virginia whose lender pages show HELOC work. The top-ranked are Mei Mee Yuen (Loan Factory), Tom Lade (CrossCountry Mortgage, Columbus) and Julia Woods (Union Home Mortgage, Durham). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "VA",
  "total": 76,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 808120,
        "slug": "mei-yuen-808120",
        "full_name": "Mei Mee Yuen",
        "canonical_url": "https://lendb.ai/lo/mei-yuen-808120",
        "json_url": "https://lendb.ai/lo/mei-yuen-808120.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "VA"
        ],
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 28,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/mei-mee-yuen-808120"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/mei-yuen-808120"
    },
    {
      "rank": 2,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 962607,
        "slug": "thomas-lade-962607",
        "full_name": "Tom Lade",
        "canonical_url": "https://lendb.ai/lo/thomas-lade-962607",
        "json_url": "https://lendb.ai/lo/thomas-lade-962607.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KY",
          "MD",
          "NC",
          "NV",
          "OH",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/thomas-lade/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-lade-962607"
    },
    {
      "rank": 3,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 117269,
        "slug": "julia-woods-117269",
        "full_name": "Julia Woods",
        "canonical_url": "https://lendb.ai/lo/julia-woods-117269",
        "json_url": "https://lendb.ai/lo/julia-woods-117269.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Durham",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "NC",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/julia-woods/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/julia-woods-117269"
    },
    {
      "rank": 4,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 450729,
        "slug": "jeffrey-zachow-450729",
        "full_name": "Jeffrey \"Zack\" Zachow",
        "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729",
        "json_url": "https://lendb.ai/lo/jeffrey-zachow-450729.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729"
    },
    {
      "rank": 5,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 1466855,
        "slug": "michael-colella-1466855",
        "full_name": "Michael Colella",
        "canonical_url": "https://lendb.ai/lo/michael-colella-1466855",
        "json_url": "https://lendb.ai/lo/michael-colella-1466855.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Basking Ridge",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "MD",
          "NJ",
          "NY",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 10,
        "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/basking-ridge/michael-colella"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-colella-1466855"
    },
    {
      "rank": 6,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 997560,
        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560"
    },
    {
      "rank": 7,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 2180005,
        "slug": "xiaolan-zhu-2180005",
        "full_name": "Xiaolan Zhu",
        "canonical_url": "https://lendb.ai/lo/xiaolan-zhu-2180005",
        "json_url": "https://lendb.ai/lo/xiaolan-zhu-2180005.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "CA",
          "IL",
          "KS",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/xiaolan-zhu-2180005"
    },
    {
      "rank": 8,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 19167,
        "slug": "jared-maxwell-19167",
        "full_name": "Jared Maxwell",
        "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167",
        "json_url": "https://lendb.ai/lo/jared-maxwell-19167.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Middletown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CT",
          "IN",
          "MA",
          "MD",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 21,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/jared-maxwell"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167"
    },
    {
      "rank": 9,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 1419225,
        "slug": "eleanor-ramirez-nelson-1419225",
        "full_name": "Ellie Nelson",
        "canonical_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225",
        "json_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Las Vegas",
          "state": "NV"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IL",
          "MN",
          "NV",
          "TX",
          "UT",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/enelson"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eleanor-ramirez-nelson-1419225"
    },
    {
      "rank": 10,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1806263,
        "slug": "trung-nguyen-1806263",
        "full_name": "Trung Nguyen",
        "canonical_url": "https://lendb.ai/lo/trung-nguyen-1806263",
        "json_url": "https://lendb.ai/lo/trung-nguyen-1806263.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "MN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/trung-nguyen-1806263"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/trung-nguyen-1806263"
    },
    {
      "rank": 11,
      "score": 44.6,
      "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"
        },
        "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "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"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (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"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 12,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 43162,
        "slug": "joseph-heisler-43162",
        "full_name": "Joseph Heisler",
        "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162",
        "json_url": "https://lendb.ai/lo/joseph-heisler-43162.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 35,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-heisler-43162"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162"
    },
    {
      "rank": 13,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 2765982,
        "slug": "dan-murphy-2765982",
        "full_name": "Dan Murphy",
        "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982",
        "json_url": "https://lendb.ai/lo/dan-murphy-2765982.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603"
        },
        "branch": {
          "city": "Chevy Chase",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "DE",
          "MD",
          "NC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/dan-murphy/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982"
    },
    {
      "rank": 14,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 191832,
        "slug": "robert-bates-191832",
        "full_name": "Robert Bates",
        "canonical_url": "https://lendb.ai/lo/robert-bates-191832",
        "json_url": "https://lendb.ai/lo/robert-bates-191832.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508"
        },
        "branch": {
          "city": "Hardy",
          "state": "VA"
        },
        "licensed_states": [
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/rbates/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "Branch in Virginia",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-bates-191832"
    },
    {
      "rank": 15,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 265398,
        "slug": "diana-sample-265398",
        "full_name": "Diana Sample",
        "canonical_url": "https://lendb.ai/lo/diana-sample-265398",
        "json_url": "https://lendb.ai/lo/diana-sample-265398.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508"
        },
        "branch": {
          "city": "Harrisonburg",
          "state": "VA"
        },
        "licensed_states": [
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/dsample/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "Branch in Virginia",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/diana-sample-265398"
    },
    {
      "rank": 16,
      "score": 42,
      "loan_officer": {
        "nmls_id": 1993122,
        "slug": "coleman-bales-1993122",
        "full_name": "Coleman Bales",
        "canonical_url": "https://lendb.ai/lo/coleman-bales-1993122",
        "json_url": "https://lendb.ai/lo/coleman-bales-1993122.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "DC",
          "GA",
          "LA",
          "MD",
          "MS",
          "NE",
          "NJ",
          "SC",
          "VA",
          "WA",
          "WI",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/coleman-bales/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "Branch in Virginia",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/coleman-bales-1993122"
    },
    {
      "rank": 17,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1113558,
        "slug": "hyo-park-1113558",
        "full_name": "Deborah Park",
        "canonical_url": "https://lendb.ai/lo/hyo-park-1113558",
        "json_url": "https://lendb.ai/lo/hyo-park-1113558.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921"
        },
        "branch": {
          "city": "Virginia Beach",
          "state": "VA"
        },
        "licensed_states": [
          "NC",
          "VA"
        ],
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/deborah-park/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "Branch in Virginia",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/hyo-park-1113558"
    },
    {
      "rank": 18,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520"
    },
    {
      "rank": 19,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 12319,
        "slug": "anthony-desano-12319",
        "full_name": "Anthony Desano",
        "canonical_url": "https://lendb.ai/lo/anthony-desano-12319",
        "json_url": "https://lendb.ai/lo/anthony-desano-12319.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Middletown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NY",
          "OH",
          "PA",
          "RI",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 19,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/anthony-desano"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-desano-12319"
    },
    {
      "rank": 20,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 162437,
        "slug": "jeffrey-hammel-162437",
        "full_name": "Jeff Hammel",
        "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437",
        "json_url": "https://lendb.ai/lo/jeffrey-hammel-162437.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IA",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 32,
        "lender_profile_url": "https://www.ruoff.com/JeffHammel"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437"
    },
    {
      "rank": 21,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 952278,
        "slug": "adil-usufzai-952278",
        "full_name": "Adil Usufzai",
        "canonical_url": "https://lendb.ai/lo/adil-usufzai-952278",
        "json_url": "https://lendb.ai/lo/adil-usufzai-952278.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Ashburn",
          "state": "VA"
        },
        "licensed_states": [],
        "languages": [
          "ar",
          "hi",
          "ur"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 26,
        "lender_profile_url": "https://homelendingadvisor.chase.com/va/ashburn/43200-broadlands-center-plz-hla-952278"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access",
        "26 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/adil-usufzai-952278"
    },
    {
      "rank": 22,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 101361,
        "slug": "scott-dunning-101361",
        "full_name": "Scott Dunning",
        "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
        "json_url": "https://lendb.ai/lo/scott-dunning-101361.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-dunning-101361"
    },
    {
      "rank": 23,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 228566,
        "slug": "melanie-taliaferro-228566",
        "full_name": "Melanie Taliaferro",
        "canonical_url": "https://lendb.ai/lo/melanie-taliaferro-228566",
        "json_url": "https://lendb.ai/lo/melanie-taliaferro-228566.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "NM",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/melanie-taliaferro-228566"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/melanie-taliaferro-228566"
    },
    {
      "rank": 24,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 2829680,
        "slug": "jerry-golden-2829680",
        "full_name": "Jerry Golden",
        "canonical_url": "https://lendb.ai/lo/jerry-golden-2829680",
        "json_url": "https://lendb.ai/lo/jerry-golden-2829680.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Winchester",
          "state": "VA"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/winchester-va-3932/jerry-golden/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jerry-golden-2829680"
    },
    {
      "rank": 25,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 874523,
        "slug": "daniel-drysdale-874523",
        "full_name": "Danny Drysdale",
        "canonical_url": "https://lendb.ai/lo/daniel-drysdale-874523",
        "json_url": "https://lendb.ai/lo/daniel-drysdale-874523.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "ID",
          "ME",
          "NC",
          "NM",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/danny-drysdale/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-drysdale-874523"
    }
  ]
}