Loan programs · District of Columbia

HELOC loan officers in District of Columbia

As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in District of Columbia whose lender pages show HELOC work. The top-ranked are Erik Browning (CrossCountry Mortgage, Scottsdale), Iris Legaspi (First Citizens Bank, San Diego) and Eliel Banegas (American Pacific Mortgage, Gaithersburg). Ranking is lender-neutral: specialty evidence first, then a license in DC, 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 19

  1. 1

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • HELOC
    • DSCR loan
    • FHA loan
    • Self-employed
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: August 16, 2023 (Colorado), per state regulator
  2. 2

    Iris LegaspiNMLS 690505

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

    • HELOC
    • Down payment assistance
    • Physician and medical professional
    • Self-employed
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
  3. 3

    Eliel BanegasNMLS 1967263

    American Pacific Mortgage · Gaithersburg, MD · licensed in 3 states

    • HELOC
    • First-time buyer
    • ITIN borrower
    • Renovation loan (203k / HomeStyle)
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
  4. 4

    Mark HooverNMLS 28157

    Lit Financial Corporation · licensed in 10 states

    • HELOC
    • FHA loan
    • VA loan
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Scott SchneidermanNMLS 219043

    CrossCountry Mortgage · Chicago, IL · licensed in 34 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: May 18, 2016 (Florida), per state regulator
    • States 28 years of experience (lender page, 2026-10-09)
  6. 6

    Anthony GrechNMLS 977416

    CrossCountry Mortgage · Southfield, MI · licensed in 9 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Nathan FitzgeraldNMLS 369554

    CrossCountry Mortgage · Orlando, FL · licensed in 15 states

    • HELOC
    • First-time buyer
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: March 4, 2022 (Florida), per state regulator
    • States 15 years of experience (lender page, 2026-10-09)
  8. 8

    Phil RussoNMLS 8676

    CrossCountry Mortgage · Wayne, PA · licensed in 27 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 3, 2011 (Florida), per state regulator
  9. 9

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: June 27, 2011 (Florida), per state regulator
  10. 10

    Drew StaceyNMLS 728175

    CrossCountry Mortgage · Blue Ash, OH · licensed in 27 states

    • HELOC
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: June 6, 2018 (Florida), per state regulator
  11. 11

    Katie Simmons HickeyNMLS 659429

    CrossCountry Mortgage · Reston, VA · licensed in 16 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • VA loan
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 31, 2017 (Florida), per state regulator
  12. 12

    Nic HasselwanderNMLS 1499392

    CrossCountry Mortgage · Overland Park, KS · licensed in 44 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 24, 2017 (Florida), per state regulator
  13. 13

    Brian ShapiroNMLS 284035

    CrossCountry Mortgage · Southfield, MI · licensed in 16 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: December 30, 2019 (Florida), per state regulator
  14. 14

    Aaron HerboldNMLS 2125601

    Lit Financial Corporation · licensed in 8 states

    • HELOC
    • FHA loan
    • VA loan
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: September 1, 2021 (Florida), per state regulator
  15. 15

    Nick KristoffNMLS 379253

    CrossCountry Mortgage · Bluffton, SC · licensed in 6 states

    • HELOC
    • Condo
    • Non-QM loan
    • Real estate investor
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: August 8, 2023 (Florida), per state regulator
  16. 16

    Theoni RapoNMLS 1527462

    CrossCountry Mortgage · Rehoboth Beach, DE · licensed in 9 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 3, 2023 (Florida), per state regulator
  17. 17

    Lindsay Simmons BealeNMLS 510004

    CrossCountry Mortgage · Reston, VA · licensed in 18 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • VA loan
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: September 9, 2022 (Florida), per state regulator
  18. 18

    Bob FrazierNMLS 191865

    CrossCountry Mortgage · Columbia, MD · licensed in 13 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: March 20, 2026 (Florida), per state regulator
  19. 19

    Michael LeeNMLS 2142881

    CrossCountry Mortgage · Fairfax, VA · licensed in 3 states

    • HELOC
    • First-time buyer
    • DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)

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?

More about HELOC

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a DC license is confirmed with the state regulator (check mark), DC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=DC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.