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Loan programs · Iowa

HELOC loan officers in Iowa

As of 2026-10-09, LenDb lists 22 loan officers licensed in or based in Iowa whose lender pages show HELOC work. The top-ranked are Brent Wilkerson (CrossCountry Mortgage, La Crosse), Holly Luca (Loan Factory) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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 22

  1. 1

    Brent WilkersonNMLS 488734

    CrossCountry Mortgage · La Crosse, WI · licensed in 8 states

    • HELOC
    • Real estate investor
    • USDA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Holly LucaNMLS 586712

    Loan Factory · licensed in 4 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    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 IA (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
  4. 4

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

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

    James AbdallahNMLS 255833

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Matthew BrownNMLS 1254520

    Loan Factory · 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 IA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    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 IA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    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 IA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Emmett ClarkNMLS 233747

    Loan Factory · 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 IA (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Sharif BasetNMLS 2820377

    Loan Factory · Duluth, GA · licensed in 12 states

    • HELOC
    • Asset-based qualifying
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Ravi K BansalNMLS 2840451

    Loan Factory · Seattle, WA · licensed in 19 states

    • HELOC
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Ivan LinNMLS 2462401

    Loan Factory · licensed in 10 states

    • HELOC
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Mark HooverNMLS 28157

    Lit Financial Corporation · licensed in 10 states

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Daniel LimbergNMLS 33979

    Lit Financial Corporation · licensed in 11 states

    • HELOC
    • Jumbo loan
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Steve AndersonNMLS 1096829

    Lit Financial Corporation · licensed in 12 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Tony SanchezNMLS 1523963

    Lit Financial Corporation · licensed in 11 states

    • HELOC
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Billy AbdallahNMLS 1579598

    Lit Financial Corporation · licensed in 10 states

    • HELOC
    • DSCR loan
    • Non-QM loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Joseph CostanzoNMLS 1408507

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • HELOC
    • VA loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Aaron HerboldNMLS 2125601

    Lit Financial Corporation · licensed in 8 states

    • HELOC
    • FHA loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Steven KatzNMLS 223791

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 17 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • HELOC
    • Bank statement loan
    • Condo
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Matt RipleyNMLS 17006

    CrossCountry Mortgage · Bloomington, MN · licensed in 8 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in IA (listed on lender page, verified 2026-10-09)
    • 3 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 IA 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=IA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.