Borrower situations · South Dakota
Loan officers for homeowners who are refinancing in South Dakota
As of 2026-10-26, LenDb lists 29 loan officers licensed in or based in South Dakota whose lender pages show Refinance work. The top-ranked are Mike Schuster (CrossCountry Mortgage, Columbia), Eric Raso (CMG Home Loans, Tempe) and Lindsay Witter (American Pacific Mortgage, Roseville). 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 25
- 1
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 2
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 3
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 4
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 5
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 6
Rob BaatzNMLS 52740
CrossCountry Mortgage · Sioux Falls, SD · licensed in 5 states
- Refinance
- Jumbo loan
- VA loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Sioux Falls, SD
- Earliest state license record: May 6, 2020 (Iowa), per state regulator
- 7
Earl RoseNMLS 212480
CrossCountry Mortgage · Bloomington, MN · licensed in 15 states
- Refinance
- Reverse mortgage
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: January 7, 2014 (Wisconsin), per state regulator
- States 45 years of experience (lender page, 2026-10-22)
- 8
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Refinance
- Renovation loan (203k / HomeStyle)
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 2, 2018 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 9
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 10
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 34 states
- Refinance
- 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 Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 14, 2007 (Colorado), per state regulator
- 11
Derrick PolderNMLS 207630
CrossCountry Mortgage · Tucson, AZ · licensed in 28 states
- Refinance
- Jumbo loan
- VA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: November 2, 2015 (California), per state regulator
- 12
Tim PotempaNMLS 454708
CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states
- Refinance
- FHA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 9, 2015 (California), per state regulator
- 13
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Refinance
- Down payment assistance
- HELOC
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: March 10, 2016 (Oregon), per state regulator
- 14
Joseph CostanzoNMLS 1408507
CrossCountry Mortgage · Cleveland, OH · licensed in 21 states
- Refinance
- VA loan
- FHA loan
- HELOC
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: February 5, 2016 (California), per state regulator
- 15
Noah KovnerNMLS 1597298
CrossCountry Mortgage · Phoenix, AZ · licensed in 9 states
- Refinance
- FHA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 18, 2017 (California), per state regulator
- 16
Brian WeeksNMLS 1557610
CrossCountry Mortgage · Overland Park, KS · licensed in 46 states
- Refinance
- FHA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 7, 2016 (Colorado), per state regulator
- 17
Bryan BentleyNMLS 400911
CrossCountry Mortgage · Bloomington, MN · licensed in 5 states
- Refinance
- Construction loan
- Jumbo loan
- Non-QM loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 14, 2025 (Wisconsin), per state regulator
- States 8 years of experience (lender page, 2026-10-21)
- 18
Bruce BrinkerhoffNMLS 639483
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- Refinance
- Construction loan
- FHA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: August 15, 2019 (Oregon), per state regulator
- 19
Aaron ReznechekNMLS 400959
CrossCountry Mortgage · Bloomington, MN · licensed in 8 states
- Refinance
- USDA loan
- VA loan
- FHA loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 10, 2020 (Florida), per state regulator
- 20
Drew TobinNMLS 589986
CrossCountry Mortgage · Middletown, NY · licensed in 33 states
- Refinance
- Renovation loan (203k / HomeStyle)
- FHA loan
- HELOC
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: May 19, 2020 (California), per state regulator
- 21
Josh RiversNMLS 413732
CrossCountry Mortgage · Lacey, WA · licensed in 4 states
- Refinance
- Down payment assistance
- Non-QM loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: September 14, 2020 (Oregon), per state regulator
- 22
Jay ClaytonNMLS 1983764
CrossCountry Mortgage · Scottsdale, AZ · licensed in 19 states
- Refinance
- Jumbo loan
- VA loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 21, 2020 (California), per state regulator
- 23
Adison VillanoNMLS 1982912
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 24 states
- Refinance
- FHA loan
- First-time buyer
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: June 13, 2022 (Florida), per state regulator
- States 3 years of experience (lender page, 2026-10-22)
- 24
Jay BunteNMLS 1957808
CrossCountry Mortgage · Fort Worth, TX · licensed in 46 states
- Refinance
- VA loan
- Jumbo loan
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 4, 2021 (Texas), per state regulator
- 25
Chris OrndorffNMLS 16061
CrossCountry Mortgage · Columbus, OH · licensed in 15 states
- Refinance
- HELOC
- SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 30, 2025 (Illinois), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- 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?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.