--- canonical_url: https://lendb.ai/s/refinance/north-dakota last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in North Dakota As of 2026-10-26, LenDb lists 28 loan officers licensed in or based in North Dakota whose lender pages show Refinance work. The top-ranked are Evan Jansen (Summit Mortgage Corporation, Lakewood), Nicole Waechter (Frandsen Bank & Trust, Grand Forks) and Lindsay Witter (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in ND, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Evan Jansen](https://lendb.ai/lo/evan-jansen-128384)** (NMLS 128384), Summit Mortgage Corporation, Lakewood, CO - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2008 (Wisconsin), per state regulator 2. **[Nicole Waechter](https://lendb.ai/lo/nicole-waechter-1752336)** (NMLS 1752336), Frandsen Bank & Trust, Grand Forks, ND - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Grand Forks, ND - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 10 years of experience (lender page, 2026-10-16) 3. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 4. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 5. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 6. **[Dylan Rose](https://lendb.ai/lo/dylan-rose-2730604)** (NMLS 2730604), Frandsen Bank & Trust, Grand Forks, ND - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Grand Forks, ND - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 7. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2018 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 8. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 19, 2018 (California), per state regulator - States 28 years of experience (lender page, 2026-10-22) 9. **[Deanette Piesik](https://lendb.ai/lo/deanette-piesik-1832383)** (NMLS 1832383), CrossCountry Mortgage, Williston, ND - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Williston, ND - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 11. **[Andy Riemenschneider](https://lendb.ai/lo/andrew-riemenschneider-409653)** (NMLS 409653), CrossCountry Mortgage, Stillwater, MN - Lists Refinance on lender page (lender page, verified 2026-10-21) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 2, 2014 (Wisconsin), per state regulator - States 15 years of experience (lender page, 2026-10-21) 12. **[Derrick Polder](https://lendb.ai/lo/derrick-polder-207630)** (NMLS 207630), CrossCountry Mortgage, Tucson, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 2, 2015 (California), per state regulator 13. **[Tim Potempa](https://lendb.ai/lo/timothy-potempa-454708)** (NMLS 454708), CrossCountry Mortgage, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2015 (California), per state regulator 14. **[Don Williams](https://lendb.ai/lo/donald-williams-1031805)** (NMLS 1031805), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 12, 2016 (Illinois), per state regulator 15. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2016 (Oregon), per state regulator 16. **[Joseph Costanzo](https://lendb.ai/lo/joseph-costanzo-1408507)** (NMLS 1408507), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-21) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 5, 2016 (California), per state regulator 17. **[Brian Weeks](https://lendb.ai/lo/brian-weeks-1557610)** (NMLS 1557610), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 7, 2016 (Colorado), per state regulator 18. **[Bruce Brinkerhoff](https://lendb.ai/lo/bruce-brinkerhoff-639483)** (NMLS 639483), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2019 (Oregon), per state regulator 19. **[Aaron Reznechek](https://lendb.ai/lo/aaron-reznechek-400959)** (NMLS 400959), CrossCountry Mortgage, Bloomington, MN - Lists Refinance on lender page (lender page, verified 2026-10-21) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 10, 2020 (Florida), per state regulator 20. **[Hahna Shook](https://lendb.ai/lo/hahna-shook-1981985)** (NMLS 1981985), CrossCountry Mortgage, Columbus, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 30, 2020 (Illinois), per state regulator 21. **[Adison Villano](https://lendb.ai/lo/adison-villano-1982912)** (NMLS 1982912), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 13, 2022 (Florida), per state regulator - States 3 years of experience (lender page, 2026-10-22) 22. **[Jay Bunte](https://lendb.ai/lo/jay-bunte-1957808)** (NMLS 1957808), CrossCountry Mortgage, Fort Worth, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 4, 2021 (Texas), per state regulator 23. **[Matt Goodrich](https://lendb.ai/lo/matthew-goodrich-118253)** (NMLS 118253), CrossCountry Mortgage, Columbus, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 17, 2024 (Illinois), per state regulator 24. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 18, 2025 (Illinois), per state regulator 25. **[Nick Weeks](https://lendb.ai/lo/nicholas-weeks-415107)** (NMLS 415107), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2023 (California), per state regulator ## Questions to ask - What are my total closing costs, and how many months until the lower payment pays them back? - Can I take cash out, and how much equity do I need to keep? - If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say? Cite as: LenDb.ai, https://lendb.ai/s/refinance/north-dakota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._