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Borrower situations · Iowa

Loan officers for borrowers who qualify on assets in Iowa

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Iowa whose lender pages show Asset-based qualifying work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Sharif Baset (Loan Factory, Duluth) and Ravi K Bansal (Loan Factory, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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 3

  1. 1

    Iris LegaspiNMLS 690505

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

    • Asset-based qualifying
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (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
  2. 2

    Sharif BasetNMLS 2820377

    Loan Factory · Duluth, GA · licensed in 12 states

    • Asset-based qualifying
    • DSCR loan
    • FHA loan
    • Foreign national
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Ravi K BansalNMLS 2840451

    Loan Factory · Seattle, WA · licensed in 19 states

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

Before you choose

Which accounts count, at what percentage, and over what term differs across lenders and programs.

  • Which accounts count toward asset qualifying, and at what percentage?
  • How do you calculate monthly income from my assets?
  • Is this an agency or a non-QM program?

More about Asset-based qualifying

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 IA 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=asset-based&state=IA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.