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

# 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.

## Ranked, with reasons

1. **[Brandon Hicken](https://lendb.ai/lo/brandon-hicken-2648301)** (NMLS 2648301), Guild Mortgage, Heber City, UT
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Heber City, UT
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-09)
2. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
4. **[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)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
5. **[Jose Estrada](https://lendb.ai/lo/jose-estrada-1495268)** (NMLS 1495268), JPMorgan Chase Bank (Chase Home Lending), Holladay, UT
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Holladay, UT
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
6. **[Keelan Harvey](https://lendb.ai/lo/keelan-harvey-1330075)** (NMLS 1330075), Highlands Residential Mortgage, Coeur D Alene, ID
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
7. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
8. **[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)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Marylee Gilchrist](https://lendb.ai/lo/marylee-gilchrist-242466)** (NMLS 242466), CrossCountry Mortgage, Cottonwood Heights, UT
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Cottonwood Heights, UT
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Colorado records)
   - States 41 years of experience (lender page, 2026-10-09)
10. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
11. **[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)
   - Office in Cottonwood Heights, UT
   - UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/utah.

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