Borrower situations · South Dakota

Loan officers for physicians and medical professionals in South Dakota

As of 2026-10-26, LenDb lists 6 loan officers licensed in or based in South Dakota whose lender pages show Physician and medical professional work. The top-ranked are Joe Nabedrick (Guaranteed Rate Affinity, LLC, Wayzata), Norah Gondeck (Bell Bank, Minneapolis) and Steve Ennis (Plains Commerce Bank, Sioux Falls). Ranking is lender-neutral: specialty evidence first, then a license in SD, 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 6

  1. 1

    Joe NabedrickNMLS 501945

    Guaranteed Rate Affinity, LLC · Wayzata, MN · licensed in 11 states

    • Physician and medical professional
    • SD 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. 2

    Norah GondeckNMLS 341214

    Bell Bank · Bank · Minneapolis, MN · licensed in 33 states

    • Physician and medical professional
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • SD 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)
  3. 3

    Steve EnnisNMLS 462436

    Plains Commerce Bank · Bank · Sioux Falls, SD

    • Physician and medical professional
    • VA loan
    • Vacation home
    • 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 Sioux Falls, SD
    • Earliest state license record: January 9, 2023 (Iowa), per state regulator
  4. 4

    Molly Barndt, MBA, CSCPNMLS 2236749

    CrossCountry Mortgage · Chicago, IL · licensed in 29 states

    • Physician and medical professional
    • Jumbo loan
    • Non-QM loan
    • Refinance
    • SD 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
  5. 5

    Robyn KlonerNMLS 174903

    Bell Bank · Bank · Gilbert, AZ · licensed in 33 states

    • Physician and medical professional
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • SD 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)
  6. 6

    Kala WilsonNMLS 1381070

    Bell Bank · Bank · Minneapolis, MN · licensed in 33 states

    • Physician and medical professional
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • SD 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?

More about Physician and medical professional

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 SD license is confirmed with the state regulator (check mark), SD 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=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.