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Loan programs · South Dakota

Renovation loan officers in South Dakota

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in South Dakota whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Lindsay Witter (American Pacific Mortgage, Roseville) and Tim Powell (Churchill Mortgage, Decatur). 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 5

  1. 1

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • Renovation loan (203k / HomeStyle)
    • Condo
    • Down payment assistance
    • FHA loan
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  3. 3

    Tim PowellNMLS 136749

    Churchill Mortgage · Decatur, IN · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  4. 4

    Patton GadeNMLS 1243024

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
  5. 5

    Josh MoodyNMLS 139695

    Highlands Residential Mortgage · Allen, TX · licensed in 37 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)

Before you choose

Contractor bids, consultants, draw schedules and as-completed appraisals add steps many loan officers avoid.

  • How many renovation loans have you closed, and which programs?
  • How do contractor draws and inspections work?
  • What happens if the renovation runs over budget?

More about Renovation loan (203k / HomeStyle)

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=renovation&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.