Property types · South Dakota
Vacation home loan officers in South Dakota
As of 2026-10-26, LenDb lists 6 loan officers licensed in or based in South Dakota whose lender pages show Vacation home work. The top-ranked are Norah Gondeck (Bell Bank, Minneapolis), Steve Ennis (Plains Commerce Bank, Sioux Falls) and Robyn Kloner (Bell Bank, Gilbert). 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
Norah GondeckNMLS 341214
Bell Bank · Bank · Minneapolis, MN · licensed in 33 states
- Vacation home
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- SD 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)
- 2
Steve EnnisNMLS 462436
Plains Commerce Bank · Bank · Sioux Falls, SD
- Vacation home
- Physician and medical professional
- 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 Sioux Falls, SD
- Earliest state license record: January 9, 2023 (Iowa), per state regulator
- 3
Robyn KlonerNMLS 174903
Bell Bank · Bank · Gilbert, AZ · licensed in 33 states
- Vacation home
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- SD 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)
- 4
Kimberly AllenNMLS 839961
Bell Bank · Bank · Woodbury, MN · licensed in 10 states
- Vacation home
- Down payment assistance
- Jumbo loan
- Construction loan
- SD 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)
- 5
Kala WilsonNMLS 1381070
Bell Bank · Bank · Minneapolis, MN · licensed in 33 states
- Vacation home
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- SD 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)
- 6
Luke KinseyNMLS 1938446
Three Point Mortgage LLC · licensed in 4 states
- Vacation home
- First-time buyer
- Real estate investor
- Condo
- SD 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)
- Earliest state license record: March 24, 2020 (Florida), per state regulator
- States 6 years of experience (lender page, 2026-10-15)
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?
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=vacation-home&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.