---
canonical_url: https://lendb.ai/s/vacation-home/iowa
last_verified: 2026-10-09
---

# Vacation home loan officers in Iowa

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Iowa whose lender pages show Vacation home work. The top-ranked are Jason Fox (NFM Lending, Frederick), Zach Ryan (JPMorgan Chase Bank (Chase Home Lending), Ankeny) and Cody Teal (First Citizens Bank, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in IA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
2. **[Zach Ryan](https://lendb.ai/lo/zach-ryan-1538364)** (NMLS 1538364), JPMorgan Chase Bank (Chase Home Lending), Ankeny, IA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Ankeny, IA
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
3. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/iowa.

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