---
canonical_url: https://lendb.ai/s/physician/north-dakota
last_verified: 2026-10-26
---

# 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.

## Ranked, with reasons

1. **[Joe Nabedrick](https://lendb.ai/lo/joseph-nabedrick-501945)** (NMLS 501945), Guaranteed Rate Affinity, LLC, Wayzata, MN
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-21)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: November 3, 2025 (Wisconsin), per state regulator
   - States 25 years of experience (lender page, 2026-10-21)
2. **[Karla VanRaden](https://lendb.ai/lo/karla-vanraden-495035)** (NMLS 495035), Bell Bank, Fargo, ND
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - Office in Fargo, ND
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 30 years of experience (lender page, 2026-10-16)
3. **[Irena Johnson](https://lendb.ai/lo/irena-johnson-1666661)** (NMLS 1666661), Bell Bank, Fargo, ND
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - Office in Fargo, ND
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 10 years of experience (lender page, 2026-10-16)
4. **[Norah Gondeck](https://lendb.ai/lo/norah-gondeck-341214)** (NMLS 341214), Bell Bank, Minneapolis, MN
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 43 years of experience (lender page, 2026-10-16)
5. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 18, 2025 (Illinois), per state regulator
6. **[Heidi Ihry](https://lendb.ai/lo/heidi-ihry-517033)** (NMLS 517033), Bell Bank, Fargo, ND
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - Office in Fargo, ND
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
7. **[Keely Schlichting](https://lendb.ai/lo/keely-schlichting-1113015)** (NMLS 1113015), Bell Bank, Fargo, ND
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - Office in Fargo, ND
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
8. **[Sam Keller](https://lendb.ai/lo/sam-keller-1216096)** (NMLS 1216096), Bell Bank, Fargo, ND
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - Office in Fargo, ND
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
9. **[Robyn Kloner](https://lendb.ai/lo/robyn-kloner-174903)** (NMLS 174903), Bell Bank, Gilbert, AZ
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[Kala Wilson](https://lendb.ai/lo/kala-wilson-1381070)** (NMLS 1381070), Bell Bank, Minneapolis, MN
   - Lists Physician and medical professional on lender page (lender page, verified 2026-10-26)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/physician/north-dakota.

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