--- canonical_url: https://lendb.ai/s/fha/north-dakota last_verified: 2026-10-11 --- # FHA loan officers in North Dakota As of 2026-10-11, LenDb lists 32 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. ## Ranked, with reasons 1. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2023 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 3. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 12, 2013 (Colorado), per state regulator - States 35 years of experience (lender page, 2026-10-09) 4. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 25, 2016 (Colorado), per state regulator 5. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 14, 2022 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-09) 6. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 7. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 20, 2012 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 8. **[Gavin Ekstrom](https://lendb.ai/lo/gavin-ekstrom-220170)** (NMLS 220170), CrossCountry Mortgage, Greenwood Village, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2007 (Colorado), per state regulator - States 30 years of experience (lender page, 2026-10-09) 9. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2017 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 10. **[Jason Cota](https://lendb.ai/lo/jason-cota-232220)** (NMLS 232220), CrossCountry Mortgage, Winter Park, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 8, 2018 (Florida), per state regulator - States 17 years of experience (lender page, 2026-10-09) 11. **[Steven Candow](https://lendb.ai/lo/steven-candow-218530)** (NMLS 218530), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 5, 2012 (Florida), per state regulator 12. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA - Lists FHA loan on lender page (lender page, verified 2026-10-11) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Tanya Brawley Decker](https://lendb.ai/lo/tanya-brawley-decker-1387808)** (NMLS 1387808), CrossCountry Mortgage, Bismarck, ND - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Bismarck, ND - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 25, 2023 (Florida), per state regulator 14. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 29, 2016 (Colorado), per state regulator 15. **[Steve Currington](https://lendb.ai/lo/stephen-currington-203687)** (NMLS 203687), CrossCountry Mortgage, Tulsa, OK - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 30, 2018 (Colorado), per state regulator 16. **[Jerry Crowder](https://lendb.ai/lo/jerry-crowder-436485)** (NMLS 436485), CrossCountry Mortgage, Cincinnati, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 25, 2017 (Colorado), per state regulator 17. **[Don Williams](https://lendb.ai/lo/donald-williams-1031805)** (NMLS 1031805), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 21, 2017 (Florida), per state regulator 18. **[Robert Stratton](https://lendb.ai/lo/robert-stratton-436459)** (NMLS 436459), CrossCountry Mortgage, Cincinnati, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 18, 2016 (Florida), per state regulator 19. **[Leo Gocemen](https://lendb.ai/lo/ahmed-gocemen-186151)** (NMLS 186151), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator 20. **[Aaron Reznechek](https://lendb.ai/lo/aaron-reznechek-400959)** (NMLS 400959), CrossCountry Mortgage, Bloomington, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 10, 2020 (Florida), per state regulator 21. **[Julia Hill](https://lendb.ai/lo/julia-hill-403732)** (NMLS 403732), CrossCountry Mortgage, Williston, ND - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Williston, ND - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Deanette Piesik](https://lendb.ai/lo/deanette-piesik-1832383)** (NMLS 1832383), CrossCountry Mortgage, Williston, ND - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Williston, ND - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Lee Aldrich](https://lendb.ai/lo/lee-aldrich-325834)** (NMLS 325834), CrossCountry Mortgage, Monticello, MN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 5, 2021 (Florida), per state regulator 24. **[Tim Potempa](https://lendb.ai/lo/timothy-potempa-454708)** (NMLS 454708), CrossCountry Mortgage, Phoenix, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 8, 2021 (Colorado), per state regulator 25. **[Jordan Romes](https://lendb.ai/lo/jordan-romes-1772021)** (NMLS 1772021), CrossCountry Mortgage, Cincinnati, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 3, 2022 (Colorado), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/north-dakota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._