{
  "canonical_url": "https://lendb.ai/s/heloc/hawaii",
  "summary": "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 Roy Montero (CrossCountry Mortgage, Honolulu), Iris Legaspi (First Citizens Bank, San Diego) and Lance Doiguchi (LeaderOne Financial, Honolulu). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "HI",
  "total": 17,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 351403,
        "slug": "roy-montero-351403",
        "full_name": "Roy Montero",
        "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
        "json_url": "https://lendb.ai/lo/roy-montero-351403.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "HI",
          "ID",
          "MI",
          "MN",
          "NV",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/honolulu-hi-3907/roy-montero/"
      },
      "reasons": [
        "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",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-montero-351403"
    },
    {
      "rank": 2,
      "score": 44.6,
      "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",
          "type": "bank"
        },
        "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 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"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 3,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 272696,
        "slug": "lance-doiguchi-272696",
        "full_name": "Lance Doiguchi",
        "canonical_url": "https://lendb.ai/lo/lance-doiguchi-272696",
        "json_url": "https://lendb.ai/lo/lance-doiguchi-272696.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/lance-doiguchi"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-doiguchi-272696"
    },
    {
      "rank": 4,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 1675909,
        "slug": "evan-souza-1675909",
        "full_name": "Evan Souza",
        "canonical_url": "https://lendb.ai/lo/evan-souza-1675909",
        "json_url": "https://lendb.ai/lo/evan-souza-1675909.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": "Sacramento",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/evan-souza"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-souza-1675909"
    },
    {
      "rank": 5,
      "score": 39.2,
      "loan_officer": {
        "nmls_id": 787138,
        "slug": "dane-costa-787138",
        "full_name": "Dane Costa",
        "canonical_url": "https://lendb.ai/lo/dane-costa-787138",
        "json_url": "https://lendb.ai/lo/dane-costa-787138.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "HI"
        },
        "licensed_states": [
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 11,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/dane-costa"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dane-costa-787138"
    },
    {
      "rank": 6,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 2215853,
        "slug": "teyona-stewart-2215853",
        "full_name": "Teyona Stewart",
        "canonical_url": "https://lendb.ai/lo/teyona-stewart-2215853",
        "json_url": "https://lendb.ai/lo/teyona-stewart-2215853.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "La Jolla",
          "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": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/la-jolla/teyona-stewart"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/teyona-stewart-2215853"
    },
    {
      "rank": 7,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 233747,
        "slug": "emmett-clark-233747",
        "full_name": "Emmett Clark",
        "canonical_url": "https://lendb.ai/lo/emmett-clark-233747",
        "json_url": "https://lendb.ai/lo/emmett-clark-233747.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "FL",
          "HI",
          "IA",
          "ID",
          "KS",
          "KY",
          "MO",
          "OR",
          "PA",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/emmett-clark-233747"
    },
    {
      "rank": 8,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 450556,
        "slug": "alexis-ramirez-450556",
        "full_name": "Alex Ramirez",
        "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556",
        "json_url": "https://lendb.ai/lo/alexis-ramirez-450556.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "HI",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 21,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/alex-ramirez"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556"
    },
    {
      "rank": 9,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 628454,
        "slug": "jonathan-cook-628454",
        "full_name": "Jonathan Cook",
        "canonical_url": "https://lendb.ai/lo/jonathan-cook-628454",
        "json_url": "https://lendb.ai/lo/jonathan-cook-628454.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MI",
          "MO",
          "NC",
          "OH",
          "PA",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-4568/jonathan-cook/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-cook-628454"
    },
    {
      "rank": 10,
      "score": 22.6,
      "loan_officer": {
        "nmls_id": 2804976,
        "slug": "pete-pappalardo-2804976",
        "full_name": "Pete Pappalardo",
        "canonical_url": "https://lendb.ai/lo/pete-pappalardo-2804976",
        "json_url": "https://lendb.ai/lo/pete-pappalardo-2804976.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 12,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4482/peter-pappalardo/"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "12 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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