Property types · North Dakota

Vacation home loan officers in North Dakota

As of 2026-10-26, LenDb lists 10 loan officers licensed in or based in North Dakota whose lender pages show Vacation home work. The top-ranked are Karla VanRaden (Bell Bank, Fargo), Irena Johnson (Bell Bank, Fargo) and Norah Gondeck (Bell Bank, Minneapolis). 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. 1

    Karla VanRadenNMLS 495035

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • Down payment assistance
    • New construction
    • Physician and medical professional
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
    • States 30 years of experience (lender page, 2026-10-16)
  2. 2

    Irena JohnsonNMLS 1666661

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • Down payment assistance
    • Physician and medical professional
    • FHA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
    • States 10 years of experience (lender page, 2026-10-16)
  3. 3

    Norah GondeckNMLS 341214

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

    • Vacation home
    • Down payment assistance
    • Jumbo loan
    • Physician and medical professional
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • States 43 years of experience (lender page, 2026-10-16)
  4. 4

    Heidi IhryNMLS 517033

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • Physician and medical professional
    • FHA loan
    • USDA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
  5. 5

    Sam KellerNMLS 1216096

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • 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 Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
  6. 6

    Lane TuckerNMLS 2324189

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • Jumbo loan
    • Real estate investor
    • Construction loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
  7. 7

    Eric BraunNMLS 517038

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • FHA loan
    • USDA loan
    • VA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
  8. 8

    Keely SchlichtingNMLS 1113015

    Bell Bank · Bank · Fargo, ND

    • Vacation home
    • Jumbo loan
    • Physician and medical professional
    • Construction loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
    • Office in Fargo, ND
  9. 9

    Robyn KlonerNMLS 174903

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

    • Vacation home
    • Down payment assistance
    • Jumbo loan
    • Physician and medical professional
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)
  10. 10

    Kala WilsonNMLS 1381070

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

    • Vacation home
    • Down payment assistance
    • Jumbo loan
    • Physician and medical professional
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-26)

Before you choose

Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.

  • Will this qualify as a second home or an investment property?
  • Can I rent it out part time and keep second home pricing?
  • How do you treat short-term rental income?

More about Vacation home

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=vacation-home&state=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.