{ "canonical_url": "https://lendb.ai/s/heloc/north-dakota", "summary": "As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in North Dakota whose lender pages show HELOC work. The top-ranked are James Abdallah (Lit Financial Corporation), Ryan Vallone (Lit Financial Corporation) and Christopher Keelin (CrossCountry Mortgage, Denville). Ranking is lender-neutral: specialty evidence first, then a license in ND, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "ND", "total": 7, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 50.8, "loan_officer": { "nmls_id": 255833, "slug": "james-abdallah-255833", "full_name": "James Abdallah", "canonical_url": "https://lendb.ai/lo/james-abdallah-255833", "json_url": "https://lendb.ai/lo/james-abdallah-255833.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "AL", "CO", "GA", "IA", "IL", "KS", "ME", "MI", "MN", "ND", "OH", "OK", "PA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 11, "licensed_since": { "year": 2015, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2015 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/james-abdallah-255833", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://litfinancial.com/loan-experts/james-abdallah" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 48.3, "loan_officer": { "nmls_id": 312680, "slug": "ryan-vallone-312680", "full_name": "Ryan Vallone", "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680", "json_url": "https://lendb.ai/lo/ryan-vallone-312680.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "AL", "CA", "CO", "GA", "IA", "IL", "ME", "MI", "MN", "ND", "NM", "OK", "TX" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": 15, "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-vallone", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Colorado records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ryan-vallone-312680", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://litfinancial.com/loan-experts/ryan-vallone" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "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)", "ND 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": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND 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": 4, "score": 22, "loan_officer": { "nmls_id": 1408507, "slug": "joseph-costanzo-1408507", "full_name": "Joseph Costanzo", "canonical_url": "https://lendb.ai/lo/joseph-costanzo-1408507", "json_url": "https://lendb.ai/lo/joseph-costanzo-1408507.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "licensed_states": [ "AL", "AR", "AZ", "CA", "CO", "IA", "IL", "IN", "KY", "LA", "ME", "ND", "NV", "OH", "OR", "PA", "SD", "TN", "UT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/joseph-costanzo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/joseph-costanzo-1408507", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND 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/cleveland-oh-2036/joseph-costanzo/" }, "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)", "ND 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": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND 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": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 20.3, "loan_officer": { "nmls_id": 2520487, "slug": "ryan-mcgran-2520487", "full_name": "Ryan McGran", "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487", "json_url": "https://lendb.ai/lo/ryan-mcgran-2520487.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AL", "AZ", "CA", "CO", "IA", "IL", "IN", "LA", "ME", "MI", "MN", "MS", "ND", "NE", "NH", "OH", "OK", "OR", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-mcgran", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://litfinancial.com/loan-experts/ryan-mcgran" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 17, "loan_officer": { "nmls_id": 489002, "slug": "andria-eames-489002", "full_name": "Andria Eames", "canonical_url": "https://lendb.ai/lo/andria-eames-489002", "json_url": "https://lendb.ai/lo/andria-eames-489002.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Billings", "state": "MT" }, "licensed_states": [ "MT", "ND" ], "licenses": [ { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/billings-mt-6206/andria-eames/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/andria-eames-489002", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND 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/billings-mt-6206/andria-eames/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] } ] }