Borrower situations · North Dakota
Loan officers for physicians and medical professionals in North Dakota
As of 2026-10-26, LenDb lists 10 loan officers licensed in or based in North Dakota whose lender pages show Physician and medical professional work. The top-ranked are Joe Nabedrick (Guaranteed Rate Affinity, LLC, Wayzata), Karla VanRaden (Bell Bank, Fargo) and Irena Johnson (Bell Bank, Fargo). 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 10
- 1
Joe NabedrickNMLS 501945
Guaranteed Rate Affinity, LLC · Wayzata, MN · licensed in 11 states
- Physician and medical professional
- ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 3, 2025 (Wisconsin), per state regulator
- States 25 years of experience (lender page, 2026-10-21)
- 2
Karla VanRadenNMLS 495035
Bell Bank · Bank · Fargo, ND
- Physician and medical professional
- Down payment assistance
- New construction
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Office in Fargo, ND
- States 30 years of experience (lender page, 2026-10-16)
- 3
Irena JohnsonNMLS 1666661
Bell Bank · Bank · Fargo, ND
- Physician and medical professional
- Down payment assistance
- Vacation home
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Office in Fargo, ND
- States 10 years of experience (lender page, 2026-10-16)
- 4
Norah GondeckNMLS 341214
Bell Bank · Bank · Minneapolis, MN · licensed in 33 states
- Physician and medical professional
- Down payment assistance
- Jumbo loan
- Real estate investor
- ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- States 43 years of experience (lender page, 2026-10-16)
- 5
Molly Barndt, MBA, CSCPNMLS 2236749
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Physician and medical professional
- Jumbo loan
- Non-QM loan
- Refinance
- ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 18, 2025 (Illinois), per state regulator
- 6
Heidi IhryNMLS 517033
Bell Bank · Bank · Fargo, ND
- Physician and medical professional
- Vacation home
- FHA loan
- USDA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Office in Fargo, ND
- 7
Keely SchlichtingNMLS 1113015
Bell Bank · Bank · Fargo, ND
- Physician and medical professional
- Jumbo loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Office in Fargo, ND
- 8
Sam KellerNMLS 1216096
Bell Bank · Bank · Fargo, ND
- Physician and medical professional
- Construction loan
- First-time buyer
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- Office in Fargo, ND
- 9
Robyn KlonerNMLS 174903
Bell Bank · Bank · Gilbert, AZ · licensed in 33 states
- Physician and medical professional
- Down payment assistance
- Jumbo loan
- Real estate investor
- ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
- 10
Kala WilsonNMLS 1381070
Bell Bank · Bank · Minneapolis, MN · licensed in 33 states
- Physician and medical professional
- Down payment assistance
- Jumbo loan
- Real estate investor
- ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
Before you choose
Student debt and future employment contracts need special treatment that only physician programs allow.
- Do you have a physician loan program, and who qualifies?
- How do you treat my student loans in qualifying?
- Can I close on a signed employment contract before I start?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a ND license is confirmed with the state regulator (check mark), ND is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=physician&state=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.