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

# 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.

## Ranked, with reasons

1. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI
   - Lists Renovation loan (203k / HomeStyle) 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 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - Lists Renovation loan (203k / HomeStyle) 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)
3. **[Tim Powell](https://lendb.ai/lo/timothy-powell-136749)** (NMLS 136749), Churchill Mortgage, Decatur, IN
   - Lists Renovation loan (203k / HomeStyle) 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 2018 (per Florida records)
4. **[Patton Gade](https://lendb.ai/lo/patton-gade-1243024)** (NMLS 1243024), CrossCountry Mortgage, Scottsdale, AZ
   - Lists Renovation loan (203k / HomeStyle) 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 Colorado records)
5. **[Josh Moody](https://lendb.ai/lo/joshua-moody-139695)** (NMLS 139695), Highlands Residential Mortgage, Allen, TX
   - Lists Renovation loan (203k / HomeStyle) 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 Colorado records)

## Questions to ask

- 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?

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

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