---
canonical_url: https://lendb.ai/s/heloc/hawaii
last_verified: 2026-10-09
---

# HELOC loan officers in Hawaii

As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in Hawaii whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), 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.

## Ranked, with reasons

1. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory
   - 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
2. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - 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)
3. **[Lance Doiguchi](https://lendb.ai/lo/lance-doiguchi-272696)** (NMLS 272696), LeaderOne Financial, Honolulu, HI
   - 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
4. **[Evan Souza](https://lendb.ai/lo/evan-souza-1675909)** (NMLS 1675909), Xpert Home Lending, Sacramento, CA
   - 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
5. **[Dane Costa](https://lendb.ai/lo/dane-costa-787138)** (NMLS 787138), Xpert Home Lending, HI
   - 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)
6. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in HI (listed on lender page, verified 2026-10-09)
7. **[Alex Ramirez](https://lendb.ai/lo/alexis-ramirez-450556)** (NMLS 450556), Xpert Home Lending
   - 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
8. **[Jonathan Cook](https://lendb.ai/lo/jonathan-cook-628454)** (NMLS 628454), CrossCountry Mortgage, Houston, TX
   - 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
9. **[Pete Pappalardo](https://lendb.ai/lo/pete-pappalardo-2804976)** (NMLS 2804976), CrossCountry Mortgage, Scottsdale, AZ
   - 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)
10. **[Nic Hasselwander](https://lendb.ai/lo/nicholas-hasselwander-1499392)** (NMLS 1499392), CrossCountry Mortgage, Overland Park, KS
   - 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
11. **[Kelly Hintz](https://lendb.ai/lo/kelly-hintz-450644)** (NMLS 450644), CrossCountry Mortgage, Scottsdale, AZ
   - 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
12. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA
   - 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
13. **[Andy Key](https://lendb.ai/lo/andy-key-195274)** (NMLS 195274), CrossCountry Mortgage, Cottonwood Heights, UT
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in HI (listed on lender page, verified 2026-10-09)
14. **[Jorge Diaz](https://lendb.ai/lo/jorge-diaz-561001)** (NMLS 561001), CrossCountry Mortgage, San Juan Capistrano, CA
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/heloc/hawaii.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._