{
  "canonical_url": "https://lendb.ai/s/heloc/nebraska",
  "summary": "As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Nebraska whose lender pages show HELOC work. The top-ranked are Robert Barton (BMO Bank, Omaha), Iris Legaspi (First Citizens Bank, San Diego) and Ilse Garcia Lopez (BMO Bank, Omaha). Ranking is lender-neutral: specialty evidence first, then a license in NE, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "NE",
  "total": 7,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 50,
      "loan_officer": {
        "nmls_id": 1644875,
        "slug": "robert-barton-1644875",
        "full_name": "Robert Barton",
        "canonical_url": "https://lendb.ai/lo/robert-barton-1644875",
        "json_url": "https://lendb.ai/lo/robert-barton-1644875.json",
        "lender": {
          "nmls_id": 401052,
          "name": "BMO Bank",
          "canonical_url": "https://lendb.ai/lender/bmo-bank-401052",
          "type": "bank"
        },
        "branch": {
          "city": "Omaha",
          "state": "NE"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://usmortgagebanker.bmo.com/ne/omaha/rb-1644875/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Office in Omaha, NE",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-barton-1644875",
      "license_check": {
        "state": "NE",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 42,
      "loan_officer": {
        "nmls_id": 1400889,
        "slug": "ilse-garcia-lopez-1400889",
        "full_name": "Ilse Garcia Lopez",
        "canonical_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889",
        "json_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889.json",
        "lender": {
          "nmls_id": 401052,
          "name": "BMO Bank",
          "canonical_url": "https://lendb.ai/lender/bmo-bank-401052",
          "type": "bank"
        },
        "branch": {
          "city": "Omaha",
          "state": "NE"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://usmortgagebanker.bmo.com/ne/omaha/ig-1400889/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Office in Omaha, NE",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889",
      "license_check": {
        "state": "NE",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 63764,
        "slug": "christopher-keelin-63764",
        "full_name": "Christopher Keelin",
        "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764",
        "json_url": "https://lendb.ai/lo/christopher-keelin-63764.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Denville",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/christopher-keelin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/denville-nj-3480/christopher-keelin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 21.5,
      "loan_officer": {
        "nmls_id": 1499392,
        "slug": "nicholas-hasselwander-1499392",
        "full_name": "Nic Hasselwander",
        "canonical_url": "https://lendb.ai/lo/nicholas-hasselwander-1499392",
        "json_url": "https://lendb.ai/lo/nicholas-hasselwander-1499392.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/overland-park-ks-4569/nicholas-hasselwander/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-hasselwander-1499392",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/overland-park-ks-4569/nicholas-hasselwander/"
      },
      "match_status": "exact",
      "matched_specialties": [
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