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phone: (605) 331-2889 x302
mobile: (605) 376-7468
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Craig Markhardt
Mortgage Banker NMLS.7026,  Frontier Bank
3501 W. 57th Street
Sioux Falls,  South Dakota  57108
Learn more about me and read my blog at
About Me
My experience of 19 years as a lending professional has given me the knowledge and strengths that I use in specific ways when helping individuals obtain the best home mortgage possible. I stand out from others in the mortgage industry by having a proven background in customer service with evidence few others can boast of. My desire to help consumers as a financial professional was celebrated with the successful multi-year lobbying effort that culminated as the author of the SDCL 54-14-12, signed into law by South Dakota Governor Rounds in 2007.

Consulting Services

  • Home Buyers & Home Owners - If you are a homeowner, I can help you make the best decision on your home loan or finances, help you identify where you may be losing money annually.
  • Condo Home Association - If you are on the board of your HOA, I can help show you simple ways to improve operations and how to increase the value of each condo in your development all while possibly avoiding any work to the units or building.
  • Real Estate Developer - If you are a developer, group, or home builder, I can show you how to successfully setup your development to sell more quickly, avoid complicated financial pitfalls for your customers, attract the buyers you want, and take your idea to reality.
License Information
Employment History
Senior Mortgage Banker, Advana Mortgage
Privately Held;101-250 employees;Mortgage
May 2010 - May 2016 (5 Years 11 Months)
A mortgage banker that specializes in low rates and fees to low-risk borrowers. Also feature unique loan programs such as FHA 203(k) and Energy Efficient Mortgages. Utilize automated underwriting guidelines to be as streamlined as possible, while also alowing our underwriters to manually underwrite and approve loans. We are one of the midwest's premier USDA and FHA home lenders.
Owner, Keystone Associates, Inc.
Privately Held;11-25 employees;Agents and Brokers
May 2002 - May 2010 (8 Years 1 Month)
Chief Operations Officer/Owner of mortgage brokerage with annual origination volume exceeding $60M and annual Gross Operating Income exceeding $1.4M. Recruited, trained, managed and motivated staff to meet personal and company goals, while maintaining operation expenses within limits designed for maximum efficiency. Worked with Department of HUD, Banks, Wholesale Mortgage Companies, and State Division of Banking on a regular basis to ensure successful operations of the company.
Mortgage Banker, Frontier Bank
Privately Held;26-100 employees;Mortgage
February 2017 - Present (2 Years 11 Months)
My role is to provide cost effective solutions to customer needs from construction to the permanent home loan.
1994 - 1999
South Dakota State University - Brookings
Bachelor of General Studies
Concentration in Business, Social Sciences and Science, Mathematics & Engineering
Client Testimonials