LenDb.ai

Loan programs · Hawaii

HELOC loan officers in Hawaii

As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in Hawaii whose lender pages show HELOC work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Lance Doiguchi (LeaderOne Financial, Honolulu) and Evan Souza (Xpert Home Lending, Sacramento). Ranking is lender-neutral: specialty evidence first, then a license in HI, 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 16

  1. 1

    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 HI (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

    Lance DoiguchiNMLS 272696

    LeaderOne Financial · Honolulu, HI

    • HELOC
    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  3. 3

    Evan SouzaNMLS 1675909

    Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states

    • HELOC
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Dane CostaNMLS 787138

    Xpert Home Lending · Mortgage broker · Hawaii

    • HELOC
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • 11 years experience (stated on lender page, 2026-10-09)
  5. 5

    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 HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • HELOC
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • HELOC
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Kayla BarneyNMLS 2371086

    CrossCountry Mortgage · Honolulu, HI

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Hawaii; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  9. 9

    Jonathan CookNMLS 628454

    CrossCountry Mortgage · Houston, TX · licensed in 16 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Thien BuiNMLS 2493289

    CrossCountry Mortgage · Honolulu, HI · licensed in 2 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  11. 11

    Nic HasselwanderNMLS 1499392

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

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Brian WeeksNMLS 1557610

    CrossCountry Mortgage · Overland Park, KS · licensed in 46 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Kelly HintzNMLS 450644

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states

    • HELOC
    • Construction loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Khalisa DaviesNMLS 180315

    CrossCountry Mortgage · Bothell, WA · licensed in 25 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Andy KeyNMLS 195274

    CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 3 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  16. 16

    Jorge DiazNMLS 561001

    CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 20 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • 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?

More about HELOC

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 HI 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=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.