---
canonical_url: https://lendb.ai/s/heloc/south-dakota
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Jordan Heatherly](https://lendb.ai/lo/jordan-heatherly-1312244)** (NMLS 1312244), Churchill Mortgage, Brentwood, TN
   - Lists HELOC 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)
2. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ
   - Lists HELOC 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)
3. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA
   - Lists HELOC 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)
4. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH
   - Lists HELOC 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)
5. **[Nic Hasselwander](https://lendb.ai/lo/nicholas-hasselwander-1499392)** (NMLS 1499392), CrossCountry Mortgage, Overland Park, KS
   - Lists HELOC 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)
6. **[Matt Ripley](https://lendb.ai/lo/matt-ripley-17006)** (NMLS 17006), CrossCountry Mortgage, Bloomington, MN
   - Lists HELOC 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)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/heloc/south-dakota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._