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Loan programs · South Dakota

HELOC loan officers in South Dakota

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in South Dakota whose lender pages show HELOC work. The top-ranked are Jordan Heatherly (Churchill Mortgage, Brentwood), Christopher Keelin (CrossCountry Mortgage, Denville) and Khalisa Davies (CrossCountry Mortgage, Bothell). 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 6

  1. 1

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • HELOC
    • FHA loan
    • Non-QM loan
    • Real estate investor
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  2. 2

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Florida records)
  3. 3

    Khalisa DaviesNMLS 180315

    CrossCountry Mortgage · Bothell, WA · licensed in 25 states

    • HELOC
    • First-time buyer
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  4. 4

    Joseph CostanzoNMLS 1408507

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • HELOC
    • VA loan
    • FHA loan
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  5. 5

    Nic HasselwanderNMLS 1499392

    CrossCountry Mortgage · Overland Park, KS · licensed in 44 states

    • HELOC
    • First-time buyer
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  6. 6

    Matt RipleyNMLS 17006

    CrossCountry Mortgage · Bloomington, MN · licensed in 8 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)

Before you choose

Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.

  • What combined loan-to-value do you allow?
  • Is the rate variable, and are there fixed-rate draw options?
  • Are there annual fees or early closure fees?

More about HELOC

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a SD license is confirmed with the state regulator (check mark), SD is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=heloc&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.