--- canonical_url: https://lendb.ai/s/refinance/south-dakota last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2021 (Illinois), per state regulator 2. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 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) - SD 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) - SD 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) - SD 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. **[Rob Baatz](https://lendb.ai/lo/rob-baatz-52740)** (NMLS 52740), CrossCountry Mortgage, Sioux Falls, SD - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Sioux Falls, SD - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 6, 2020 (Iowa), per state regulator 7. **[Earl Rose](https://lendb.ai/lo/earl-rose-212480)** (NMLS 212480), CrossCountry Mortgage, Bloomington, MN - Lists Refinance on lender page (lender page, verified 2026-10-22) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 7, 2014 (Wisconsin), per state regulator - States 45 years of experience (lender page, 2026-10-22) 8. **[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) - SD 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) 9. **[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) - SD 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) 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) - SD 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. **[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) - SD 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 12. **[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) - SD 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 13. **[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) - SD 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 14. **[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) - SD 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 15. **[Noah Kovner](https://lendb.ai/lo/noah-kovner-1597298)** (NMLS 1597298), CrossCountry Mortgage, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 18, 2017 (California), per state regulator 16. **[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) - SD 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 17. **[Bryan Bentley](https://lendb.ai/lo/bryan-bentley-400911)** (NMLS 400911), CrossCountry Mortgage, Bloomington, MN - Lists Refinance on lender page (lender page, verified 2026-10-21) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 14, 2025 (Wisconsin), per state regulator - States 8 years of experience (lender page, 2026-10-21) 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) - SD 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) - SD 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. **[Drew Tobin](https://lendb.ai/lo/andrew-tobin-589986)** (NMLS 589986), CrossCountry Mortgage, Middletown, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2020 (California), per state regulator 21. **[Josh Rivers](https://lendb.ai/lo/josh-rivers-413732)** (NMLS 413732), CrossCountry Mortgage, Lacey, WA - Lists Refinance on lender page (lender page, verified 2026-10-26) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 14, 2020 (Oregon), per state regulator 22. **[Jay Clayton](https://lendb.ai/lo/jay-clayton-1983764)** (NMLS 1983764), CrossCountry Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2020 (California), per state regulator 23. **[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) - SD 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) 24. **[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) - SD 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 25. **[Chris Orndorff](https://lendb.ai/lo/christopher-orndorff-16061)** (NMLS 16061), CrossCountry Mortgage, Columbus, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2025 (Illinois), 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/south-dakota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._