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Borrower situations · Delaware

Loan officers for borrowers with low credit scores in Delaware

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Delaware whose lender pages show Low credit score work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Chuck Butterfield (Churchill Mortgage) and Katy Sychterz (Guild Mortgage, Lancaster). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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. 1

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Low credit score
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in DE (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • Low credit score
    • First-time buyer
    • Real estate investor
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in DE (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Katy SychterzNMLS 183951

    Guild Mortgage · Lancaster, PA · licensed in 3 states

    • Low credit score
    • Recent credit event
    • Down payment assistance
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in DE (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Olu AjayiNMLS 189732

    First Home Mortgage · Crofton, MD · licensed in 4 states

    • Low credit score
    • First-time buyer
    • Real estate investor
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in DE (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb

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?

More about Low credit score

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 DE or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=low-credit&state=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.