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Loan programs · Utah

HELOC loan officers in Utah

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Utah whose lender pages show HELOC work. The top-ranked are Brandon Hicken (Guild Mortgage, Heber City), Emmett Clark (Loan Factory) and Daniel McDermott (CrossCountry Mortgage, Montvale). Ranking is lender-neutral: specialty evidence first, then a license in UT, 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 11

  1. 1

    Brandon HickenNMLS 2648301

    Guild Mortgage · Heber City, UT · licensed in 2 states

    • HELOC
    • First-time buyer
    • Self-employed
    • VA loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Heber City, UT
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • HELOC
    • First-time buyer
    • VA loan
    • FHA loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
  4. 4

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  5. 5

    Jose EstradaNMLS 1495268

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Holladay, UT

    • HELOC
    • VA loan
    • FHA loan
    • Self-employed
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Holladay, UT
  6. 6

    Keelan HarveyNMLS 1330075

    Highlands Residential Mortgage · Coeur D Alene, ID · licensed in 3 states

    • HELOC
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  7. 7

    Denise McManusNMLS 1982222

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • HELOC
    • Non-QM loan
    • Real estate investor
    • Self-employed
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  8. 8

    Teyona StewartNMLS 2215853

    First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states

    • HELOC
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
  9. 9

    Marylee GilchristNMLS 242466

    CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 10 states

    • HELOC
    • VA loan
    • FHA loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Cottonwood Heights, UT
    • Licensed since 2012 (per Colorado records)
    • States 41 years of experience (lender page, 2026-10-09)
  10. 10

    Joseph CostanzoNMLS 1408507

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • HELOC
    • VA loan
    • FHA loan
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  11. 11

    Andy KeyNMLS 195274

    CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 3 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Cottonwood Heights, UT

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 are listed when a UT license is confirmed with the state regulator (check mark), UT is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=UT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.