Borrower situations · South Dakota
Loan officers for first-time buyers in South Dakota
As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in South Dakota whose lender pages show First-time buyer work. The top-ranked are Sheri Pexa (Guild Mortgage, Billings), Nick Kiesow (Fairway Independent Mortgage Corporation, Sioux Falls) and Chuck Butterfield (Churchill Mortgage). 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
Sheri PexaNMLS 172306
Guild Mortgage · Billings, MT · licensed in 4 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Nick KiesowNMLS 404680
Fairway Independent Mortgage Corporation · Sioux Falls, SD · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- Branch in South Dakota
- 3 years licensed
- 3
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- First-time buyer
- Real estate investor
- FHA loan
- USDA loan
- Lists First-time buyer 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)
- No disciplinary actions on file at LenDb
- 4
David V. CostelloNMLS 358218
Churchill Mortgage · licensed in 23 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 5
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 6
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- First-time buyer
- FHA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 7
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Todd LilloNMLS 224237
Union Home Mortgage · Norwalk, OH · licensed in 10 states
- First-time buyer
- FHA loan
- VA loan
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 9
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 10
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 11
Mark RoosNMLS 418790
Guild Mortgage · Sioux City, IA · licensed in 3 states
- First-time buyer
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 12
Bridget IscheNMLS 480187
Guild Mortgage · Prior Lake, MN · licensed in 7 states
- First-time buyer
- Real estate investor
- Vacation home
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 13
Greg PopaNMLS 214366
Union Home Mortgage · Strongsville, OH · licensed in 50 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Kim WoodworthNMLS 474485
Guild Mortgage · Casper, WY · licensed in 4 states
- First-time buyer
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Ashlee ShipleyNMLS 1280022
Fairway Independent Mortgage Corporation · Salt Lake City, UT · licensed in 4 states
- First-time buyer
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Denise WiltsNMLS 1793715
Xpert Home Lending · licensed in 8 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Joey MoreaNMLS 1978552
Barrett Financial Group · Chandler, AZ · licensed in 28 states
- First-time buyer
- Real estate investor
- Vacation home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 18
Devin FahrnerNMLS 399405
American Pacific Mortgage · Eagle, ID · licensed in 17 states
- First-time buyer
- VA loan
- FHA loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 19
Shawn DurantNMLS 221971
American Pacific Mortgage · Roseville, CA · licensed in 45 states
- First-time buyer
- FHA loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 20
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- First-time buyer
- Condo
- Down payment assistance
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 21
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- First-time buyer
- FHA loan
- Non-QM loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Kevin JaunichNMLS 348636
Guild Mortgage · Delano, MN · licensed in 6 states
- First-time buyer
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Shane StaplesNMLS 1296290
NFM Lending · Tempe, AZ · licensed in 11 states
- First-time buyer
- New construction
- Down payment assistance
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 24
Gayle McCarthyNMLS 225960
American Pacific Mortgage · Tehachapi, CA · licensed in 12 states
- First-time buyer
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
Sheridan FilbertNMLS 1812077
American Pacific Mortgage · Sheridan, WY · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in SD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
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 actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.