{
  "canonical_url": "https://lendb.ai/s/heloc/iowa",
  "summary": "As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in Iowa whose lender pages show HELOC work. The top-ranked are Brent Wilkerson (CrossCountry Mortgage, La Crosse), Ryan Vallone (Lit Financial Corporation) and James Abdallah (Lit Financial Corporation). Ranking is lender-neutral: specialty evidence first, then a license in IA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "IA",
  "total": 26,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 488734,
        "slug": "brent-wilkerson-488734",
        "full_name": "Brent Wilkerson",
        "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734",
        "json_url": "https://lendb.ai/lo/brent-wilkerson-488734.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "La Crosse",
          "state": "WI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "IA",
          "MN",
          "MO",
          "NV",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/la-crosse-wi-5717/brent-wilkerson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734"
    },
    {
      "rank": 2,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 312680,
        "slug": "ryan-vallone-312680",
        "full_name": "Ryan Vallone",
        "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680",
        "json_url": "https://lendb.ai/lo/ryan-vallone-312680.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "ME",
          "MI",
          "MN",
          "ND",
          "NM",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 15,
        "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-vallone",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680"
    },
    {
      "rank": 3,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 255833,
        "slug": "james-abdallah-255833",
        "full_name": "James Abdallah",
        "canonical_url": "https://lendb.ai/lo/james-abdallah-255833",
        "json_url": "https://lendb.ai/lo/james-abdallah-255833.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CO",
          "GA",
          "IA",
          "IL",
          "KS",
          "ME",
          "MI",
          "MN",
          "ND",
          "OH",
          "OK",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 22,
        "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abdallah-255833"
    },
    {
      "rank": 4,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 586712,
        "slug": "holly-luca-586712",
        "full_name": "Holly Luca",
        "canonical_url": "https://lendb.ai/lo/holly-luca-586712",
        "json_url": "https://lendb.ai/lo/holly-luca-586712.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": [
          "CA",
          "FL",
          "IA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "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": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/holly-luca-586712",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/holly-luca-586712"
    },
    {
      "rank": 5,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 6,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520"
    },
    {
      "rank": 7,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 162437,
        "slug": "jeffrey-hammel-162437",
        "full_name": "Jeff Hammel",
        "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437",
        "json_url": "https://lendb.ai/lo/jeffrey-hammel-162437.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IA",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 32,
        "lender_profile_url": "https://www.ruoff.com/JeffHammel",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-hammel-162437"
    },
    {
      "rank": 8,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Licensed in IA (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/teyona-stewart-2215853"
    },
    {
      "rank": 9,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/emmett-clark-233747"
    },
    {
      "rank": 10,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2820377,
        "slug": "sharif-baset-2820377",
        "full_name": "Sharif Baset",
        "canonical_url": "https://lendb.ai/lo/sharif-baset-2820377",
        "json_url": "https://lendb.ai/lo/sharif-baset-2820377.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Duluth",
          "state": "GA"
        },
        "licensed_states": [
          "AL",
          "CA",
          "CO",
          "FL",
          "GA",
          "IA",
          "MD",
          "MO",
          "NC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sharif-baset-2820377",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/sharif-baset-2820377"
    },
    {
      "rank": 11,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2840451,
        "slug": "ravi-k-bansal-2840451",
        "full_name": "Ravi K Bansal",
        "canonical_url": "https://lendb.ai/lo/ravi-k-bansal-2840451",
        "json_url": "https://lendb.ai/lo/ravi-k-bansal-2840451.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "FL",
          "IA",
          "KS",
          "KY",
          "LA",
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