{ "canonical_url": "https://lendb.ai/s/low-credit/colorado", "summary": "As of 2026-10-10, LenDb lists 3 loan officers licensed in or based in Colorado whose lender pages show Low credit score work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Paul Andrada (CrossCountry Mortgage, Greenwood Village) and Lance Winters (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "low-credit", "state": "CO", "total": 3, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 58.8, "loan_officer": { "nmls_id": 143470, "slug": "michelle-muqtadir-143470", "full_name": "Michelle Muqtadir", "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "HI", "ID", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-01-27", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Low credit score on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10", "Earliest state license record: January 27, 2023 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=313008&contact=542010" }, "match_status": "exact", "matched_specialties": [ "low-credit" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 56.3, "loan_officer": { "nmls_id": 2218247, "slug": "paul-andrada-2218247", "full_name": "Paul Andrada", "canonical_url": "https://lendb.ai/lo/paul-andrada-2218247", "json_url": "https://lendb.ai/lo/paul-andrada-2218247.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Greenwood Village", "state": "CO" }, "licensed_states": [ "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-12-22", "state": "CO" }, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-5107/paul-andrada/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Low credit score on lender page (lender page, verified 2026-10-09)", "Office in Greenwood Village, CO", "Licensed in CO: confirmed with the Colorado regulator (license 100529308), verified 2026-10-10", "Earliest state license record: December 22, 2021 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/paul-andrada-2218247", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100529308), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=289232&contact=513585" }, "match_status": "exact", "matched_specialties": [ "low-credit" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 55.8, "loan_officer": { "nmls_id": 1480213, "slug": "lance-winters-1480213", "full_name": "Lance Winters", "canonical_url": "https://lendb.ai/lo/lance-winters-1480213", "json_url": "https://lendb.ai/lo/lance-winters-1480213.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbus", "state": "OH" }, "licensed_states": [ "FL", "AL", "AR", "CO", "GA", "IN", "KY", "NY", "OH", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "low-credit", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-05-16", "state": "CO" }, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2063/lance-winters/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Low credit score on lender page (lender page, verified 2026-10-09)", "Licensed in CO: confirmed with the Colorado regulator (license 100502450), verified 2026-10-10", "Earliest state license record: May 16, 2016 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/lance-winters-1480213", "license_check": { "state": "CO", "confidence": "confirmed", "eligible": true, "label": "Licensed in CO: confirmed with the Colorado regulator (license 100502450), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=178148&contact=391648" }, "match_status": "exact", "matched_specialties": [ "low-credit" ], "unconfirmed_specialties": [] } ] }