{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/south-dakota",
  "summary": "As of 2026-10-09, LenDb lists 58 loan officers licensed in or based in South Dakota whose lender pages show First-time buyer work. The top-ranked are Nick Kiesow (Fairway Independent Mortgage Corporation, Sioux Falls), Sheri Pexa (Guild Mortgage, Billings) and Angie Turley (Fairway Independent Mortgage Corporation, Mooresville). Ranking is lender-neutral: specialty evidence first, then a license in SD, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "SD",
  "total": 58,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 404680,
        "slug": "nicholas-kiesow-404680",
        "full_name": "Nick Kiesow",
        "canonical_url": "https://lendb.ai/lo/nicholas-kiesow-404680",
        "json_url": "https://lendb.ai/lo/nicholas-kiesow-404680.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Sioux Falls",
          "state": "SD"
        },
        "licensed_states": [
          "CO",
          "SD"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/nick-kiesow-404680"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-kiesow-404680"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 172306,
        "slug": "sheri-pexa-172306",
        "full_name": "Sheri Pexa",
        "canonical_url": "https://lendb.ai/lo/sheri-pexa-172306",
        "json_url": "https://lendb.ai/lo/sheri-pexa-172306.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Billings",
          "state": "MT"
        },
        "licensed_states": [
          "MT",
          "ND",
          "SD",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/mt/billings/sheri-pexa-804-wfsp.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/sheri-pexa-172306"
    },
    {
      "rank": 3,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 363066,
        "slug": "angela-turley-363066",
        "full_name": "Angie Turley",
        "canonical_url": "https://lendb.ai/lo/angela-turley-363066",
        "json_url": "https://lendb.ai/lo/angela-turley-363066.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Mooresville",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "IA",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "SC",
          "SD",
          "TN",
          "VA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/angie-turley-363066"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in SD (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/angela-turley-363066"
    },
    {
      "rank": 4,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 128183,
        "slug": "adam-workman-128183",
        "full_name": "Adam Workman",
        "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183"
    },
    {
      "rank": 5,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620"
    },
    {
      "rank": 6,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 302214,
        "slug": "julie-johnson-302214",
        "full_name": "Julie Johnson",
        "canonical_url": "https://lendb.ai/lo/julie-johnson-302214",
        "json_url": "https://lendb.ai/lo/julie-johnson-302214.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-johnson-302214"
    },
    {
      "rank": 7,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 358218,
        "slug": "david-costello-358218",
        "full_name": "David V. Costello",
        "canonical_url": "https://lendb.ai/lo/david-costello-358218",
        "json_url": "https://lendb.ai/lo/david-costello-358218.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "ND",
          "OH",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/david-costello"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/david-costello-358218"
    },
    {
      "rank": 8,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 490282,
        "slug": "robert-rankin-490282",
        "full_name": "Chad Rankin",
        "canonical_url": "https://lendb.ai/lo/robert-rankin-490282",
        "json_url": "https://lendb.ai/lo/robert-rankin-490282.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Worcester",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/chad-rankin-765-rgrra.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-rankin-490282"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1280022,
        "slug": "ashlee-shipley-1280022",
        "full_name": "Ashlee Shipley",
        "canonical_url": "https://lendb.ai/lo/ashlee-shipley-1280022",
        "json_url": "https://lendb.ai/lo/ashlee-shipley-1280022.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Salt Lake City",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "SD",
          "UT",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/ashlee-shipley-1280022"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ashlee-shipley-1280022"
    },
    {
      "rank": 11,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 224237,
        "slug": "todd-lillo-224237",
        "full_name": "Todd Lillo",
        "canonical_url": "https://lendb.ai/lo/todd-lillo-224237",
        "json_url": "https://lendb.ai/lo/todd-lillo-224237.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Norwalk",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KY",
          "MI",
          "MO",
          "NV",
          "OH",
          "PA",
          "SC",
          "SD"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/todd-lillo/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/todd-lillo-224237"
    },
    {
      "rank": 12,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 900558,
        "slug": "domonique-gray-900558",
        "full_name": "Domonique Gray",
        "canonical_url": "https://lendb.ai/lo/domonique-gray-900558",
        "json_url": "https://lendb.ai/lo/domonique-gray-900558.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 30,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/domonique-gray"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/domonique-gray-900558"
    },
    {
      "rank": 13,
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          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
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          "city": "Tempe",
          "state": "AZ"
        },
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          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "NM",
          "OR",
          "SD",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        ],
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        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/shane-staples/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/shane-staples-1296290"
    },
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      "rank": 25,
      "score": 33,
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        "json_url": "https://lendb.ai/lo/gayle-mccarthy-225960.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
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        },
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          "AZ",
          "CA",
          "CO",
          "GA",
          "MO",
          "MT",
          "NV",
          "OK",
          "OR",
          "SD",
          "WA"
        ],
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Licensed in SD (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    }
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}