Loan programs · North Dakota

FHA loan officers in North Dakota

As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in North Dakota whose lender pages show FHA loan work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Domonique Gray (Churchill Mortgage, Brentwood) and Kristina Hayes (Churchill Mortgage, Irvine). 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 25

  1. 1

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Domonique GrayNMLS 900558

    Churchill Mortgage · Brentwood, TN · licensed in 31 states

    • FHA loan
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  3. 3

    Kristina HayesNMLS 1057175

    Churchill Mortgage · Irvine, CA · licensed in 24 states

    • FHA loan
    • Non-QM loan
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Colorado records)
    • States 35 years of experience (lender page, 2026-10-09)
  4. 4

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • FHA loan
    • Condo
    • Down payment assistance
    • Jumbo loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  5. 5

    Arthur BuhrerNMLS 114080

    CrossCountry Mortgage · Sequim, WA · licensed in 14 states

    • FHA loan
    • Down payment assistance
    • Real estate investor
    • Reverse mortgage
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Colorado records)
    • States 20 years of experience (lender page, 2026-10-09)
  6. 6

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Frank CimpermanNMLS 194237

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  8. 8

    Gavin EkstromNMLS 220170

    CrossCountry Mortgage · Greenwood Village, CO · licensed in 34 states

    • FHA loan
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2007 (per Colorado records)
    • States 30 years of experience (lender page, 2026-10-09)
  9. 9

    Coley RauNMLS 256481

    CrossCountry Mortgage · Bryan, OH · licensed in 26 states

    • FHA loan
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  10. 10

    Jason CotaNMLS 232220

    CrossCountry Mortgage · Winter Park, FL · licensed in 13 states

    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 17 years of experience (lender page, 2026-10-09)
  11. 11

    Steven CandowNMLS 218530

    CrossCountry Mortgage · Cleveland, OH · licensed in 29 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
  12. 12

    Tanya Brawley DeckerNMLS 1387808

    CrossCountry Mortgage · Bismarck, ND · licensed in 7 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Bismarck, ND
    • Licensed since 2023 (per Florida records)
  13. 13

    Joseph CostanzoNMLS 1408507

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • FHA loan
    • VA loan
    • HELOC
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  14. 14

    Steve CurringtonNMLS 203687

    CrossCountry Mortgage · Tulsa, OK · licensed in 24 states

    • FHA loan
    • Non-QM loan
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Colorado records)
  15. 15

    Jerry CrowderNMLS 436485

    CrossCountry Mortgage · Cincinnati, OH · licensed in 43 states

    • FHA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Colorado records)
  16. 16

    Don WilliamsNMLS 1031805

    CrossCountry Mortgage · Cleveland, OH · licensed in 11 states

    • FHA loan
    • Down payment assistance
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  17. 17

    Robert StrattonNMLS 436459

    CrossCountry Mortgage · Cincinnati, OH · licensed in 39 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Florida records)
  18. 18

    Leo GocemenNMLS 186151

    CrossCountry Mortgage · Cleveland, OH · licensed in 30 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
  19. 19

    Aaron ReznechekNMLS 400959

    CrossCountry Mortgage · Bloomington, MN · licensed in 8 states

    • FHA loan
    • USDA loan
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
  20. 20

    Julia HillNMLS 403732

    CrossCountry Mortgage · Williston, ND · licensed in 4 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Williston, ND
  21. 21

    Deanette PiesikNMLS 1832383

    CrossCountry Mortgage · Williston, ND · licensed in 2 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Office in Williston, ND
  22. 22

    Lee AldrichNMLS 325834

    CrossCountry Mortgage · Monticello, MN · licensed in 20 states

    • FHA loan
    • First-time buyer
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  23. 23

    Tim PotempaNMLS 454708

    CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states

    • FHA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
  24. 24

    Jordan RomesNMLS 1772021

    CrossCountry Mortgage · Cincinnati, OH · licensed in 46 states

    • FHA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Colorado records)
  25. 25

    Matt GoodrichNMLS 118253

    CrossCountry Mortgage · Columbus, OH · licensed in 19 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

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 (licensed since, per the regulator records we hold) 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=fha&state=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.