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Loan programs · Illinois

HELOC loan officers in Illinois

As of 2026-10-09, LenDb lists 113 loan officers licensed in or based in Illinois whose lender pages show HELOC work. The top-ranked are Zach Schwartz (LeaderOne Financial, Oak Brook), Bryan Young (LeaderOne Financial, Oak Brook) and Len Tricroce (Guild Mortgage, Aurora). Ranking is lender-neutral: specialty evidence first, then a license in IL, 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. 1

    Zach SchwartzNMLS 894131

    LeaderOne Financial · Oak Brook, IL · licensed in 3 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 13 years licensed
  2. 2

    Bryan YoungNMLS 1504425

    LeaderOne Financial · Oak Brook, IL · licensed in 4 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 10 years licensed
  3. 3

    Len TricroceNMLS 220687

    Guild Mortgage · Aurora, IL

    • HELOC
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 25 years experience (stated on lender page, 2026-10-09)
  4. 4

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

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

    Bill WhiteNMLS 2268018

    CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Arnell Brady IINMLS 1128672

    JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL · licensed in 11 states

    • HELOC
    • Co-op
    • Condo
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 3 years licensed
  8. 8

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    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 IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 8 years licensed
  10. 10

    James AbdallahNMLS 255833

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Xiaolan ZhuNMLS 2180005

    Loan Factory · Mortgage broker · licensed in 7 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • Low credit score
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Ellie NelsonNMLS 1419225

    Barrett Financial Group · Mortgage broker · Las Vegas, NV · licensed in 8 states

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

    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 IL (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
  14. 14

    Brendan WilliamsonNMLS 1449934

    JPMorgan Chase Bank (Chase Home Lending) · Naperville, IL

    • HELOC
    • Self-employed
    • VA loan
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Illinois; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  15. 15

    Matthew HayNMLS 1852699

    JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL

    • HELOC
    • Co-op
    • Condo
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Illinois; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  16. 16

    Zachary A WhiteNMLS 1900385

    JPMorgan Chase Bank (Chase Home Lending) · Schaumburg, IL

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Illinois; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  17. 17

    Eddy GonzalezNMLS 802027

    Guild Mortgage · Weldon Spring, MO · licensed in 2 states

    • HELOC
    • Down payment assistance
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 14 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  18. 18

    Corey VandenbergNMLS 563900

    Success Mortgage Partners · Grand Rapids, MI · licensed in 10 states

    • HELOC
    • First-time buyer
    • Condo
    • Construction loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Matthew BrownNMLS 1254520

    Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Jeff HammelNMLS 162437

    Ruoff Mortgage · licensed in 17 states

    • HELOC
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Harmony MoyerNMLS 2616300

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Ricardo NavarreteNMLS 1453870

    LeaderOne Financial · Oak Brook, IL · licensed in 2 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • No disciplinary actions on file at LenDb
  23. 23

    Michael McGarveyNMLS 1643074

    BMO Bank · Naperville, IL

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Illinois; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  24. 24

    Andrew ZavageNMLS 1920906

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 7 states

    • HELOC
    • 1099 income
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  25. 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 IL (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?

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