Our Team

Mediocre mortgages are a dime a dozen. That’s why Sioux Falls Fed flips the script—we have local underwriting, speedy qualification decisions and minimal fees and interest rates. Let’s talk about what the Sioux Falls Fed mortgage team can do for your home purchasing goals.

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Dave KowalczykDave Kowalczyk

Mortgage Loan Originator
Branch: Downtown
Email: davek@siouxfallsfcu.org
NMLS #465946
Phone: 605-977-8324
Cell: 605-254-7976
Fax: 605-334-3981

“My goal as a Mortgage Loan Officer is to give you the best possible service, educate you about the loan programs available, and to make the loan process as painless as possible. I have been in the financial services industry since 1998 and mortgage lending specifically since 2005. The reason I am proud to work for and be a member of Sioux Falls Federal Credit Union is the great value we offer our members. I know there are many choices available to you and I appreciate the opportunity to serve you.”

Meet Dave


Tim WermersTim Wermers

Mortgage Loan Originator
Branch: South Louise
Email: timw@siouxfallsfcu.org
NMLS #52738
Phone: 605-977-8317
Fax: 605-271-0805

"My goal is to educate members to make sure they are getting the mortgage that best suits their needs.  Originating mortgages since 2003, I have been fortunate to build my business with referrals from past and present clients, realtors, family and friends.  Volunteering in our community as well as church is a passion of mine."

Meet Tim


Tyana VissTyana Viss

Mortgage Loan Originator
Branch: South Cliff
Email: tyanav@siouxfallsfcu.org
NMLS #1441509
Phone: 605-977-8336
Fax: 605-334-1474

"I have been in the Mortgage Industry as a Processor since 2009 and am looking forward to working with you throughout the mortgage process. As your Mortgage Loan Originator I understand how exciting and overwhelming the home buying process can be and look forward to working with you every step of the way. My goal is to make the mortgage process as painless and straightforward as possible. Outside of Sioux Falls Federal Credit Union I am passionate about Dakota Spirit and the Mentoring Program through Lutheran Social Services."

Meet Tyana


James NytroeJames Nytroe

Mortgage Loan Originator
Branch: Arrowhead
Email: jamesn@siouxfallsfcu.org
NMLS #489420
Phone: 605-977-8378
Fax: 605-334-1392

"I have been helping Sioux Falls Federal Credit Union members live better for 13 years.  In my tenure, I have been fortunate enough to build great member relationships by providing excellent service and financial education.  My goal is to provide a smooth, accurate and memorable experience for the member homeowner.  I realize the importance of purchasing a home and would like to be a part of this experience for you."

Meet James




Nicole PattersonNicole Taubert

Home Equity Specialist
Branch: Downtown
Email: nicolet@siouxfallsfcu.org
NMLS #1601641
Phone: 605-977-8368
Fax: 605-334-3981

"I have been working in mortgage since 2010 and been with the credit union helping members since 2017. I am here to answer questions and help you with your home equity needs. Home equity products are great for home improvements or consolidating high interest debt obligations, those are just a couple reasons a home equity product may benefit you. Also, if you do your home equity loan or line of credit with SFFCU it will stay here at the credit union so it will always be local for servicing. There are just so many great reasons to let SFFCU help you with your financial needs and this may be one of them."

Meet Nicole