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Loan programs · North Dakota

HELOC loan officers in North Dakota

As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in North Dakota whose lender pages show HELOC work. The top-ranked are Ryan Vallone (Lit Financial Corporation), James Abdallah (Lit Financial Corporation) and Cheryl Wolf (Fairway Independent Mortgage Corporation, Watford City). Ranking is lender-neutral: specialty evidence first, then a license in ND, 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 13

  1. 1

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    James AbdallahNMLS 255833

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Cheryl WolfNMLS 1460508

    Fairway Independent Mortgage Corporation · Watford City, ND · licensed in 3 states

    • HELOC
    • Jumbo loan
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • Branch in North Dakota
    • No disciplinary actions on file at LenDb
  4. 4

    Ravi K BansalNMLS 2840451

    Loan Factory · Mortgage broker · 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 ND (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 ND (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Russ BrawleyNMLS 2683191

    CrossCountry Mortgage · Bismarck, ND · licensed in 2 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • Branch in North Dakota
    • 1 years licensed
  7. 7

    Nathan PugmireNMLS 157390

    CrossCountry Mortgage · Meridian, ID · licensed in 29 states

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

    Nic HasselwanderNMLS 1499392

    CrossCountry Mortgage · Overland Park, KS · licensed in 44 states

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

    Brian WeeksNMLS 1557610

    CrossCountry Mortgage · Overland Park, KS · licensed in 46 states

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

    Joseph CostanzoNMLS 1408507

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • HELOC
    • VA loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Steve KabinoffNMLS 180769

    CrossCountry Mortgage · Cincinnati, OH · licensed in 34 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    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 ND (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Andria EamesNMLS 489002

    CrossCountry Mortgage · Billings, MT · licensed in 2 states

    • HELOC
    • VA loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in ND (listed on lender page, verified 2026-10-09)
    • 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 ND 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=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.