Loan programs · South Dakota
FHA loan officers in South Dakota
As of 2026-10-09, LenDb lists 38 loan officers licensed in or based in South Dakota whose lender pages show FHA loan work. The top-ranked are Ken Smith (Churchill Mortgage, Colorado Springs), Sandee Lutz (CrossCountry Mortgage, Romeo) and Mike Schuster (CrossCountry Mortgage, Columbia). 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 25
- 1
Ken SmithNMLS 71162
Churchill Mortgage · Colorado Springs, CO · licensed in 6 states
- FHA loan
- Reverse mortgage
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- 2
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 3
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- FHA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 4
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- FHA loan
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 5
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- FHA loan
- First-time buyer
- Real estate investor
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- 6
Todd LilloNMLS 224237
Union Home Mortgage · Norwalk, OH · licensed in 10 states
- FHA loan
- First-time buyer
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 7
Matt ShinerNMLS 1260521
NFM Lending · Tempe, AZ · licensed in 9 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 8
Oleg TkachNMLS 90937
NFM Lending · Lynnwood, WA · licensed in 24 states
- FHA loan
- Real estate investor
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 9
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 10
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- Non-QM loan
- Real estate investor
- Self-employed
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 11
Devin FahrnerNMLS 399405
American Pacific Mortgage · Eagle, ID · licensed in 17 states
- FHA loan
- VA loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 12
Steve CarterNMLS 1178666
Intercap Lending · Salt Lake City, UT · licensed in 41 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 13
Shawn DurantNMLS 221971
American Pacific Mortgage · Roseville, CA · licensed in 45 states
- FHA loan
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 2 years licensed
- 14
Olivia Noel GreerNMLS 2407036
Guild Mortgage · Boulder, CO · licensed in 3 states
- FHA loan
- Reverse mortgage
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 15
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- FHA loan
- Condo
- Down payment assistance
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 16
Tracy BolenNMLS 1734508
American Pacific Mortgage · Roseville, CA · licensed in 51 states
- FHA loan
- Jumbo loan
- New construction
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 17
Shane StaplesNMLS 1296290
NFM Lending · Tempe, AZ · licensed in 11 states
- FHA loan
- New construction
- Down payment assistance
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 18
Alesha BlairNMLS 1817178
Xpert Home Lending · Mortgage broker · licensed in 2 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 19
Frank CimpermanNMLS 194237
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- FHA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 20
Mike CookNMLS 232248
CrossCountry Mortgage · San Diego, CA · licensed in 23 states
- FHA loan
- Jumbo loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 21
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- FHA loan
- VA loan
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 13 years licensed
- 22
Matthew DoyleNMLS 223064
CrossCountry Mortgage · Tampa, FL · licensed in 22 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 10 years licensed
- 23
Gavin EkstromNMLS 220170
CrossCountry Mortgage · Greenwood Village, CO · licensed in 34 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 24
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- FHA loan
- Down payment assistance
- Jumbo loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 25
Jerry CrowderNMLS 436485
CrossCountry Mortgage · Cincinnati, OH · licensed in 43 states
- FHA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 9 years licensed
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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in SD or have a branch there. Then branch location, years licensed 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=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.