---
canonical_url: https://lendb.ai/lo/raymond-heflin-224001
json_url: https://lendb.ai/lo/raymond-heflin-224001.json
nmls_id: 224001
last_verified: 2026-10-09
---

# Raymond Heflin

Area Branch Partner at ALCOVA Mortgage, Front Royal, VA. NMLS ID 224001 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224001)).

**Summary:** Raymond Heflin (NMLS 224001) is Area Branch Partner at ALCOVA Mortgage, based in Front Royal, VA. Lists Maryland, North Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Licensed since 2019 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Licensed in: Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Raymond is an Area Branch Partner focused on making clients' dreams come true. He serves MD, NC, VA, and WV.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- community: Supports 4H and Fire softball. Source: https://alcova.com/loan-officer/rheflin/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO59667 | expired | confirmed | 2019-03-06 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Front Royal, VA. Source: https://alcova.com/loan-officer/rheflin/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224001

## Contact

- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/rheflin/
- Office phone and Email on file: shown at https://lendb.ai/lo/raymond-heflin-224001#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224001
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://alcova.com/loan-officer/rheflin/

Cite as: Raymond Heflin (NMLS 224001), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/raymond-heflin-224001, last verified 2026-10-09.

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