--- canonical_url: https://lendb.ai/s/first-time-buyer/south-dakota last_verified: 2026-10-09 --- # Loan officers for first-time buyers in South Dakota As of 2026-10-09, LenDb lists 43 loan officers licensed in or based in South Dakota whose lender pages show First-time buyer work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Julie Johnson (CrossCountry Mortgage, Seattle) and Jay Garvens (Churchill Mortgage, Colorado Springs). 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. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists First-time buyer 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) 2. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer 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 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists First-time buyer 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) 4. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer 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 20 years of experience (lender page, 2026-10-09) 5. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists First-time buyer 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) 6. **[Nick Kiesow](https://lendb.ai/lo/nicholas-kiesow-404680)** (NMLS 404680), Fairway Independent Mortgage Corporation, Sioux Falls, SD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Sioux Falls, SD - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 7. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists First-time buyer 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) 8. **[Chuck Butterfield](https://lendb.ai/lo/chuck-butterfield-176620)** (NMLS 176620), Churchill Mortgage - Lists First-time buyer 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 2014 (per Colorado records) 9. **[Bridget Ische](https://lendb.ai/lo/bridget-ische-480187)** (NMLS 480187), Guild Mortgage, Prior Lake, MN - Lists First-time buyer 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 Florida records) 10. **[Ashlee Shipley](https://lendb.ai/lo/ashlee-shipley-1280022)** (NMLS 1280022), Fairway Independent Mortgage Corporation, Salt Lake City, UT - Lists First-time buyer 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. **[Denise Wilts](https://lendb.ai/lo/denise-wilts-1793715)** (NMLS 1793715), Xpert Home Lending - Lists First-time buyer 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) 12. **[Sheri Pexa](https://lendb.ai/lo/sheri-pexa-172306)** (NMLS 172306), Guild Mortgage, Billings, MT - Lists First-time buyer 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) 13. **[Jordan Heatherly](https://lendb.ai/lo/jordan-heatherly-1312244)** (NMLS 1312244), Churchill Mortgage, Brentwood, TN - Lists First-time buyer 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) 14. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer 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) 15. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists First-time buyer 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) 16. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists First-time buyer 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) - States 20 years of experience (lender page, 2026-10-09) 17. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA - Lists First-time buyer 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 Colorado records) - States 20 years of experience (lender page, 2026-10-09) 18. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists First-time buyer 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) 19. **[Habib Sadaka](https://lendb.ai/lo/habib-sadaka-339526)** (NMLS 339526), CrossCountry Mortgage, Mankato, MN - Lists First-time buyer 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 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 20. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA - Lists First-time buyer 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) - States 15 years of experience (lender page, 2026-10-09) 21. **[Mike Zahorchak](https://lendb.ai/lo/michael-zahorchak-47492)** (NMLS 47492), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer 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 2011 (per Florida records) 22. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ - Lists First-time buyer 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 2011 (per Florida records) 23. **[Ryan Brown](https://lendb.ai/lo/ryan-brown-334861)** (NMLS 334861), CrossCountry Mortgage, Palm Beach Gardens, FL - Lists First-time buyer 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 2011 (per Florida records) 24. **[Josh Osborne](https://lendb.ai/lo/joshua-osborne-473258)** (NMLS 473258), CrossCountry Mortgage, Sioux Falls, SD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Sioux Falls, SD - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 25. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists First-time buyer 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/south-dakota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._