Loan programs · Colorado
HELOC loan officers in Colorado
As of 2026-10-09, LenDb lists 91 loan officers licensed in or based in Colorado whose lender pages show HELOC work. The top-ranked are David Hosterman (Guild Mortgage, Greenwood Village), Julie Vari Adams (LeaderOne Financial, Overland Park) and Chad Droeg (Xpert Home Lending, Denver). Ranking is lender-neutral: specialty evidence first, then a license in CO, 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
David HostermanNMLS 220562
Guild Mortgage · Greenwood Village, CO
- HELOC
- Bank statement loan
- FHA loan
- Jumbo loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 2
Julie Vari AdamsNMLS 1496369
LeaderOne Financial · Overland Park, KS · licensed in 4 states
- HELOC
- First-time buyer
- Reverse mortgage
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 3
Chad DroegNMLS 2291522
Xpert Home Lending · Denver, CO
- HELOC
- Down payment assistance
- DSCR loan
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 4
Brent WilkersonNMLS 488734
CrossCountry Mortgage · La Crosse, WI · licensed in 8 states
- HELOC
- Real estate investor
- USDA loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 5
Bruce GibsonNMLS 501286
Xpert Home Lending · licensed in 3 states
- HELOC
- FHA loan
- Real estate investor
- Reverse mortgage
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 6
Preston GlaserNMLS 691997
JPMorgan Chase Bank (Chase Home Lending) · Greeley, CO
- HELOC
- Self-employed
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Branch in Colorado; no license list on file yet, verify at NMLS Consumer Access
- 13 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Michelle KrusmarkNMLS 2717683
Xpert Home Lending · licensed in 3 states
- HELOC
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Kris HermannNMLS 1247814
Lit Financial Corporation · licensed in 8 states
- HELOC
- FHA loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
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 CO (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
- 10
Ryan ValloneNMLS 312680
Lit Financial Corporation · licensed in 14 states
- HELOC
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 11
Brett ShawNMLS 315592
LeaderOne Financial · Colorado Springs, CO · licensed in 4 states
- HELOC
- Construction loan
- Down payment assistance
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 2 years licensed
- 12
Susan van de PollNMLS 831038
Xpert Home Lending · Colorado · licensed in 4 states
- HELOC
- FHA loan
- Jumbo loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 3 years licensed
- 13
Todd PruittNMLS 128609
Guild Mortgage · Denver, CO · licensed in 3 states
- HELOC
- Down payment assistance
- FHA loan
- First-time buyer
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 1 years licensed
- 14
Sam BromleyNMLS 1151654
Xpert Home Lending · 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 CO (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 15
Hilda MarquezNMLS 840809
CrossCountry Mortgage · Loveland, CO
- HELOC
- FHA loan
- Jumbo loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 16
Timothy LaingNMLS 292567
Xpert Home Lending · Colorado
- HELOC
- First-time buyer
- Real estate investor
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- 25 years experience (stated on lender page, 2026-10-09)
- 17
Debbie LaneyNMLS 228108
Xpert Home Lending · Colorado
- HELOC
- FHA loan
- Jumbo loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- Branch in Colorado
- No disciplinary actions on file at LenDb
- 18
James AbdallahNMLS 255833
Lit Financial Corporation · licensed in 14 states
- HELOC
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 19
Jenn GawendaNMLS 755952
Guild Mortgage · Aurora, IL · licensed in 7 states
- HELOC
- First-time buyer
- Down payment assistance
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 20
Sunny LarsenNMLS 505811
CrossCountry Mortgage · Puyallup, WA · licensed in 8 states
- HELOC
- Jumbo loan
- New construction
- Real estate investor
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 21
Camden BurnsNMLS 2152605
Loan Factory · licensed in 4 states
- HELOC
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Paul QuinlanNMLS 1853860
Guild Mortgage · Albuquerque, NM · licensed in 4 states
- HELOC
- Self-employed
- Real estate investor
- Down payment assistance
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 23
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 CO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Rachel StevensNMLS 831678
Xpert Home Lending · licensed in 3 states
- HELOC
- First-time buyer
- Jumbo loan
- Self-employed
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CO (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 25
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 CO (listed on lender page, verified 2026-10-09)
- 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?
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 CO 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=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.