Loan programs · Washington

HELOC loan officers in Washington

As of 2026-10-09, LenDb lists 55 loan officers licensed in or based in Washington whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Josh Reid (Guild Mortgage, Vancouver) and Kris Hermann (Lit Financial Corporation). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • HELOC
    • First-time buyer
    • VA loan
    • FHA loan
    • WA 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)
  2. 2

    Josh ReidNMLS 409986

    Guild Mortgage · Vancouver, WA · licensed in 2 states

    • HELOC
    • Construction loan
    • FHA loan
    • Jumbo loan
    • WA 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 Vancouver, WA
    • States 27 years of experience (lender page, 2026-10-09)
  3. 3

    Kris HermannNMLS 1247814

    Lit Financial Corporation · licensed in 8 states

    • HELOC
    • FHA loan
    • VA loan
    • WA 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 2015 (per Colorado records)
  4. 4

    Yuriana GarciaNMLS 979433

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Federal Way, WA

    • HELOC
    • Down payment assistance
    • VA loan
    • FHA loan
    • WA 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 Federal Way, WA
    • States 16 years of experience (lender page, 2026-10-09)
  5. 5

    DeAndre CoulterNMLS 2751125

    Guild Mortgage · Sumner, WA

    • HELOC
    • First-time buyer
    • VA loan
    • WA 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 Sumner, WA
  6. 6

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • HELOC
    • DSCR loan
    • FHA loan
    • Self-employed
    • WA 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 2023 (per Colorado records)
  7. 7

    Christina BúsNMLS 118777

    Loan Factory · Mortgage broker · licensed in 2 states

    • HELOC
    • 1099 income
    • Down payment assistance
    • DSCR loan
    • WA 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)
  8. 8

    Iris LegaspiNMLS 690505

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

    • HELOC
    • Down payment assistance
    • Physician and medical professional
    • Self-employed
    • WA 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

    Desiree' ByrneNMLS 2122934

    Xpert Home Lending · Mortgage broker · licensed in 16 states

    • HELOC
    • Construction loan
    • DSCR loan
    • Renovation loan (203k / HomeStyle)
    • WA 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 Colorado records)
  10. 10

    Rosy CarranzaNMLS 1031531

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Everett, WA

    • HELOC
    • FHA loan
    • First-time buyer
    • 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 Everett, WA
  11. 11

    Rachel LeeNMLS 2521317

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Bellevue, WA

    • HELOC
    • Jumbo loan
    • First-time buyer
    • 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 Bellevue, WA
  12. 12

    Vince Paul VenturaNMLS 9030

    Guild Mortgage · Salem, OR · licensed in 4 states

    • HELOC
    • Construction loan
    • FHA loan
    • First-time buyer
    • WA 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)
  13. 13

    Mark ShermanNMLS 693929

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Olympia, WA

    • HELOC
    • VA loan
    • Jumbo loan
    • First-time buyer
    • 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 Olympia, WA
  14. 14

    Sara AlavyNMLS 2298077

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Sammamish, WA

    • HELOC
    • Vacation home
    • Self-employed
    • First-time buyer
    • 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 Sammamish, WA
  15. 15

    Thomas SamulskiNMLS 2774623

    Lit Financial Corporation · licensed in 6 states

    • HELOC
    • FHA loan
    • WA 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 2026 (per Colorado records)
  16. 16

    Jennifer KimNMLS 113118

    CrossCountry Mortgage · Seattle, WA · licensed in 2 states

    • HELOC
    • FHA loan
    • Non-QM loan
    • First-time buyer
    • WA 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 Seattle, WA
    • States 26 years of experience (lender page, 2026-10-09)
  17. 17

    April JanasNMLS 299013

    CrossCountry Mortgage · Puyallup, WA · licensed in 13 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • WA 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 Puyallup, WA
    • Licensed since 2026 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  18. 18

    Sunny LarsenNMLS 505811

    CrossCountry Mortgage · Puyallup, WA · licensed in 8 states

    • HELOC
    • First-time buyer
    • WA 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 Puyallup, WA
    • Licensed since 2022 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  19. 19

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • HELOC
    • FHA loan
    • VA loan
    • First-time buyer
    • WA 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)
    • States 20 years of experience (lender page, 2026-10-09)
  20. 20

    Scott SchneidermanNMLS 219043

    CrossCountry Mortgage · Chicago, IL · licensed in 34 states

    • HELOC
    • First-time buyer
    • WA 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 Florida records)
    • States 28 years of experience (lender page, 2026-10-09)
  21. 21

    Kirk TaylorNMLS 312131

    CrossCountry Mortgage · Naples, FL · licensed in 16 states

    • HELOC
    • 1099 income
    • Bank statement loan
    • DSCR loan
    • WA 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 2014 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  22. 22

    Khalisa DaviesNMLS 180315

    CrossCountry Mortgage · Bothell, WA · licensed in 25 states

    • HELOC
    • First-time buyer
    • WA 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 Bothell, WA
    • Licensed since 2019 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  23. 23

    Kayla ChaseNMLS 145990

    Lit Financial Corporation · licensed in 11 states

    • HELOC
    • Bank statement loan
    • Condo
    • Jumbo loan
    • WA 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 2011 (per Colorado records)
  24. 24

    Andrew WatsonNMLS 2260761

    CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states

    • HELOC
    • Self-employed
    • Real estate investor
    • Non-QM loan
    • WA 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 16 years of experience (lender page, 2026-10-09)
  25. 25

    Phil RussoNMLS 8676

    CrossCountry Mortgage · Wayne, PA · licensed in 27 states

    • HELOC
    • First-time buyer
    • WA 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 2011 (per Florida records)

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 WA license is confirmed with the state regulator (check mark), WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.