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Loan programs · Mississippi

HELOC loan officers in Mississippi

As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in Mississippi whose lender pages show HELOC work. The top-ranked are Anthony Desano (Embrace Home Loans, Middletown), Tod Cotman (CrossCountry Mortgage, Gulfport) and Coleman Bales (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in MS, 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 15

  1. 1

    Anthony DesanoNMLS 12319

    Embrace Home Loans · Middletown, RI · licensed in 24 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Tod CotmanNMLS 658279

    CrossCountry Mortgage · Gulfport, MS

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Mississippi; no license list on file yet, verify at NMLS Consumer Access
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Coleman BalesNMLS 1993122

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 15 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Ravi K BansalNMLS 2840451

    Loan Factory · Seattle, WA · licensed in 19 states

    • HELOC
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    William WalkerNMLS 124493

    CrossCountry Mortgage · Madisonville, LA · licensed in 7 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Bruce BrinkerhoffNMLS 639483

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • HELOC
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Jesse PalettaNMLS 1553208

    CrossCountry Mortgage · Cleveland, OH · licensed in 19 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Shelby KrollNMLS 2070413

    CrossCountry Mortgage · Boca Raton, FL · licensed in 6 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Trent TurnerNMLS 2078583

    CrossCountry Mortgage · Fayetteville, GA · licensed in 9 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • HELOC
    • Bank statement loan
    • Condo
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Kristi CurlingNMLS 2156237

    CrossCountry Mortgage · Franklin, TN · licensed in 5 states

    • HELOC
    • Condo
    • Down payment assistance
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Jim MoraNMLS 131641

    CrossCountry Mortgage · Madisonville, LA · licensed in 2 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Brittany WerlingNMLS 2031177

    CrossCountry Mortgage · Madisonville, LA · licensed in 4 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  15. 15

    Amber TrobaughNMLS 677953

    CrossCountry Mortgage · Murfreesboro, TN · licensed in 14 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb

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 must be licensed in MS or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=MS. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.