{ "canonical_url": "https://lendb.ai/s/vacation-home/north-dakota", "summary": "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.", "specialty": "vacation-home", "state": "ND", "total": 10, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 54.8, "loan_officer": { "nmls_id": 495035, "slug": "karla-vanraden-495035", "full_name": "Karla VanRaden", "canonical_url": "https://lendb.ai/lo/karla-vanraden-495035", "json_url": "https://lendb.ai/lo/karla-vanraden-495035.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/karla-vanraden/karla-vanraden-profile.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/karlavanraden", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)" ], "canonical_url": "https://lendb.ai/lo/karla-vanraden-495035", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 53.8, "loan_officer": { "nmls_id": 1666661, "slug": "irena-johnson-1666661", "full_name": "Irena Johnson", "canonical_url": "https://lendb.ai/lo/irena-johnson-1666661", "json_url": "https://lendb.ai/lo/irena-johnson-1666661.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/irena-johnson/irena-johnson-profile-image.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/irenajohnson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)" ], "canonical_url": "https://lendb.ai/lo/irena-johnson-1666661", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51, "loan_officer": { "nmls_id": 341214, "slug": "norah-gondeck-341214", "full_name": "Norah Gondeck", "canonical_url": "https://lendb.ai/lo/norah-gondeck-341214", "json_url": "https://lendb.ai/lo/norah-gondeck-341214.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Minneapolis", "state": "MN" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/norah-gondeck/norah-gondeck-updated-profile-picture.png?h=108&iar=0&w=108", "licensed_states": [ "AL", "AR", "AZ", "CA", "CO", "FL", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NM", "OK", "OR", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 43, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/norahgondeck", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)" ], "canonical_url": "https://lendb.ai/lo/norah-gondeck-341214", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-16", "source_url": "https://bell.bank/mortgage/loan-officer/norahgondeck" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 48.8, "loan_officer": { "nmls_id": 517033, "slug": "heidi-ihry-517033", "full_name": "Heidi Ihry", "canonical_url": "https://lendb.ai/lo/heidi-ihry-517033", "json_url": "https://lendb.ai/lo/heidi-ihry-517033.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/heidi-ihry/heidi-ihry-profile-picture.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/heidiihry", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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" ], "canonical_url": "https://lendb.ai/lo/heidi-ihry-517033", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 48.8, "loan_officer": { "nmls_id": 1216096, "slug": "sam-keller-1216096", "full_name": "Sam Keller", "canonical_url": "https://lendb.ai/lo/sam-keller-1216096", "json_url": "https://lendb.ai/lo/sam-keller-1216096.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/sam-keller/profile-images-k_keller_sam.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/mortgageswithsamkeller", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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" ], "canonical_url": "https://lendb.ai/lo/sam-keller-1216096", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 48.8, "loan_officer": { "nmls_id": 2324189, "slug": "lane-tucker-2324189", "full_name": "Lane Tucker", "canonical_url": "https://lendb.ai/lo/lane-tucker-2324189", "json_url": "https://lendb.ai/lo/lane-tucker-2324189.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/lane-tucker/lane-tucker-profile-picture.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/tuckerhomeloans", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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" ], "canonical_url": "https://lendb.ai/lo/lane-tucker-2324189", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 44.8, "loan_officer": { "nmls_id": 517038, "slug": "eric-braun-517038", "full_name": "Eric Braun", "canonical_url": "https://lendb.ai/lo/eric-braun-517038", "json_url": "https://lendb.ai/lo/eric-braun-517038.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/eric-braun/eric-braun-profile-image.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/ericbraunhomeloans", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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" ], "canonical_url": "https://lendb.ai/lo/eric-braun-517038", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 44.8, "loan_officer": { "nmls_id": 1113015, "slug": "keely-schlichting-1113015", "full_name": "Keely Schlichting", "canonical_url": "https://lendb.ai/lo/keely-schlichting-1113015", "json_url": "https://lendb.ai/lo/keely-schlichting-1113015.json", "lender": { "nmls_id": 419538, "name": "Bell Bank", "slug": "bell-bank-419538", "canonical_url": "https://lendb.ai/lender/bell-bank-419538", "type": "bank" }, "branch": { "city": "Fargo", "state": "ND" }, "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/keely-schlichting/keely-schlichting.png?h=108&iar=0&w=108", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bell.bank/mortgage/loan-officer/keelyschlichting", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-26)", "Office in Fargo, ND", "Likely federally registered (works at a bank). 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