---
canonical_url: https://lendb.ai/s/low-credit/colorado
last_verified: 2026-10-10
---

# Loan officers for borrowers with low credit scores in Colorado

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.

## Ranked, with reasons

1. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA
   - 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)
2. **[Paul Andrada](https://lendb.ai/lo/paul-andrada-2218247)** (NMLS 2218247), CrossCountry Mortgage, Greenwood Village, CO
   - 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
3. **[Lance Winters](https://lendb.ai/lo/lance-winters-1480213)** (NMLS 1480213), CrossCountry Mortgage, Columbus, OH
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/low-credit/colorado.

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