Borrower situations · Alabama
Loan officers for borrowers with low credit scores in Alabama
As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Alabama whose lender pages show Low credit score work. The top-ranked are Lance Winters (CrossCountry Mortgage, Columbus), James Hirst (American Pacific Mortgage, Layton) and Joshua Walker (Loan Factory, Mobile). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 4
- 1
Lance WintersNMLS 1480213
CrossCountry Mortgage · Columbus, OH · licensed in 13 states
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 2
James HirstNMLS 880547
American Pacific Mortgage · Layton, UT · licensed in 3 states
- Low credit score
- First-time buyer
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 3
Joshua WalkerNMLS 2621017
Loan Factory · Mortgage broker · Mobile, AL
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 4
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 27 states
- Low credit score
- Non-QM loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
Before you choose
Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.
- What is your actual minimum score for this program?
- Can you help me with a rapid rescore?
- How much will my score affect my rate and mortgage insurance?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AL or have a branch there. Then branch location, years licensed 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=low-credit&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.