---
canonical_url: https://lendb.ai/s/heloc/west-virginia
last_verified: 2026-10-09
---

# HELOC loan officers in West Virginia

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in West Virginia whose lender pages show HELOC work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), David Bates (ALCOVA Mortgage, Harrisonburg) and Scott Reese (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
2. **[David Bates](https://lendb.ai/lo/david-bates-1532166)** (NMLS 1532166), ALCOVA Mortgage, Harrisonburg, VA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
3. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
5. **[Katie Simmons Hickey](https://lendb.ai/lo/kathryn-hickey-659429)** (NMLS 659429), CrossCountry Mortgage, Reston, VA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
6. **[Samuel Cronin](https://lendb.ai/lo/samuel-cronin-179178)** (NMLS 179178), CrossCountry Mortgage, Zanesville, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/heloc/west-virginia.

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