--- canonical_url: https://lendb.ai/s/fha/south-dakota last_verified: 2026-10-09 --- # FHA loan officers in South Dakota As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in South Dakota whose lender pages show FHA loan work. The top-ranked are Jay Garvens (Churchill Mortgage, Colorado Springs), Sandee Lutz (CrossCountry Mortgage, Romeo) and Domonique Gray (Churchill Mortgage, Brentwood). Ranking is lender-neutral: specialty evidence first, then a license in SD, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 2. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 5. **[Matt Shiner](https://lendb.ai/lo/matthew-shiner-1260521)** (NMLS 1260521), NFM Lending, Tempe, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 6. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 7. **[Todd Lillo](https://lendb.ai/lo/todd-lillo-224237)** (NMLS 224237), Union Home Mortgage, Norwalk, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 8. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 9. **[Olivia Noel Greer](https://lendb.ai/lo/olivia-noel-greer-2407036)** (NMLS 2407036), Guild Mortgage, Boulder, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 10. **[Alesha Blair](https://lendb.ai/lo/alesha-blair-1817178)** (NMLS 1817178), Xpert Home Lending - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 14. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 15. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 16. **[Matthew Doyle](https://lendb.ai/lo/matthew-doyle-223064)** (NMLS 223064), CrossCountry Mortgage, Tampa, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 17. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 18. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 19. **[Bill Farley](https://lendb.ai/lo/bill-farley-1489288)** (NMLS 1489288), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 20. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 21. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 22. **[Mike Cook](https://lendb.ai/lo/michael-cook-232248)** (NMLS 232248), CrossCountry Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 23. **[Scott Somerville](https://lendb.ai/lo/scott-somerville-269657)** (NMLS 269657), CrossCountry Mortgage, Overland Park, KS - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 24. **[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) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 25. **[Josh Moody](https://lendb.ai/lo/joshua-moody-139695)** (NMLS 139695), Highlands Residential Mortgage, Allen, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) ## 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/south-dakota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._