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Loan programs · West Virginia

HELOC loan officers in West Virginia

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in West Virginia whose lender pages show HELOC work. The top-ranked are Anthony Desano (Embrace Home Loans, Middletown), Iris Legaspi (First Citizens Bank, San Diego) and Teyona Stewart (First Citizens Bank, La Jolla). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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 8

  1. 1

    Anthony DesanoNMLS 12319

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

    • HELOC
    • First-time buyer
    • WV 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 2020 (per Florida records)
    • States 19 years of experience (lender page, 2026-10-09)
  2. 2

    Iris LegaspiNMLS 690505

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

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • WV 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 17 years of experience (lender page, 2026-10-09)
  3. 3

    Teyona StewartNMLS 2215853

    First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states

    • HELOC
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • WV 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)
  4. 4

    Coleman BalesNMLS 1993122

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

    • HELOC
    • WV 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 2025 (per Florida records)
  5. 5

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • HELOC
    • FHA loan
    • VA loan
    • First-time buyer
    • WV 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)
  6. 6

    Nathan FitzgeraldNMLS 369554

    CrossCountry Mortgage · Orlando, FL · licensed in 15 states

    • HELOC
    • First-time buyer
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • WV 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 15 years of experience (lender page, 2026-10-09)
  7. 7

    Katie Simmons HickeyNMLS 659429

    CrossCountry Mortgage · Reston, VA · licensed in 16 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • VA loan
    • WV 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 2017 (per Florida records)
  8. 8

    Samuel CroninNMLS 179178

    CrossCountry Mortgage · Zanesville, OH · licensed in 7 states

    • HELOC
    • First-time buyer
    • WV 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 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 WV license is confirmed with the state regulator (check mark), WV 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=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.