---
canonical_url: https://lendb.ai/s/heloc/north-dakota
last_verified: 2026-10-09
---

# HELOC loan officers in North Dakota

As of 2026-10-09, LenDb lists 9 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 Ravi K Bansal (Loan Factory, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in ND, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Ryan Vallone](https://lendb.ai/lo/ryan-vallone-312680)** (NMLS 312680), Lit Financial Corporation
   - 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. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation
   - 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. **[Ravi K Bansal](https://lendb.ai/lo/ravi-k-bansal-2840451)** (NMLS 2840451), Loan Factory, Seattle, WA
   - 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
4. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ
   - 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
5. **[Steven Zin](https://lendb.ai/lo/steven-zin-157859)** (NMLS 157859), CrossCountry Mortgage, Overland Park, KS
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Licensed in ND (listed on lender page, verified 2026-10-09)
   - 12 years licensed
   - No disciplinary actions on file at LenDb
6. **[Nic Hasselwander](https://lendb.ai/lo/nicholas-hasselwander-1499392)** (NMLS 1499392), CrossCountry Mortgage, Overland Park, KS
   - 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
7. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH
   - 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
8. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation
   - 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
9. **[Andria Eames](https://lendb.ai/lo/andria-eames-489002)** (NMLS 489002), CrossCountry Mortgage, Billings, MT
   - 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

## 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/north-dakota.

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