{
  "canonical_url": "https://lendb.ai/s/asset-based/iowa",
  "summary": "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.",
  "specialty": "asset-based",
  "state": "IA",
  "total": 3,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 42.6,
      "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 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"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 2,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2820377,
        "slug": "sharif-baset-2820377",
        "full_name": "Sharif Baset",
        "canonical_url": "https://lendb.ai/lo/sharif-baset-2820377",
        "json_url": "https://lendb.ai/lo/sharif-baset-2820377.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Duluth",
          "state": "GA"
        },
        "licensed_states": [
          "AL",
          "CA",
          "CO",
          "FL",
          "GA",
          "IA",
          "MD",
          "MO",
          "NC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sharif-baset-2820377"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/sharif-baset-2820377"
    },
    {
      "rank": 3,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2840451,
        "slug": "ravi-k-bansal-2840451",
        "full_name": "Ravi K Bansal",
        "canonical_url": "https://lendb.ai/lo/ravi-k-bansal-2840451",
        "json_url": "https://lendb.ai/lo/ravi-k-bansal-2840451.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "FL",
          "IA",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "ND",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "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": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ravi-k-bansal-2840451"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ravi-k-bansal-2840451"
    }
  ]
}