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You cannot apply for HELB loan without an ID. For you to sign loan agreement with HELB, you must provide your ID number, without it, the agreement cannot be signed, which means you cannot apply for HELB loan.
What is your question? Since you have tagged this under HELB loan, we assume that your question is that you are over 20 years and you don't have an ID and KRA pin but you want to apply for HELB loan. Simple answer to this is that irrespective of your age, you cannot apply for HELB loan without a national ID.
Use your mother's correct names that the portal can accept. Later you might be required to have an affidavit confirming that your mother made changes to her name.
Yes, you can apply for HELB with ID that you have. Visit Huduma Center (HELB Desk) to rectify your details once you receive another ID with correct names. You should however attach an affidavit in your application if the names in your ID differ with those in your Certificate by a great extent.
If the email you provided during HELB loan registration is not active or you cannot access it, you need to send an email to helb and request for change of account details. Follow the procedure provided in this answer.