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Borrower situations · Florida

Loan officers for borrowers with low credit scores in Florida

As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Florida whose lender pages show Low credit score work. The top-ranked are Sandra Johnson (JPMorgan Chase Bank (Chase Home Lending), Sunrise), Sandy E. Dresser (Network Funding, Middleburg) and Rodney Mullins (Union Home Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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 25

  1. 1

    Sandra JohnsonNMLS 383173

    JPMorgan Chase Bank (Chase Home Lending) · Sunrise, FL

    • Low credit score
    • FHA loan
    • Self-employed
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 14 years licensed
  2. 2

    Sandy E. DresserNMLS 300174

    Network Funding · Middleburg, FL

    • Low credit score
    • Condo
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 14 years licensed
  3. 3

    Rodney MullinsNMLS 20486

    Union Home Mortgage · Tampa, FL · licensed in 4 states

    • Low credit score
    • Down payment assistance
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 5 years licensed
  4. 4

    Dena BarberNMLS 16301

    Guild Mortgage · North Dartmouth, MA · licensed in 4 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Robert RodriguezNMLS 1783236

    JPMorgan Chase Bank (Chase Home Lending) · Phoenix, AZ

    • Low credit score
    • First-time buyer
    • Jumbo loan
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    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 FL (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Tanya MaceNMLS 615769

    Guild Mortgage · West Lawn, PA · licensed in 3 states

    • Low credit score
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Ken ProstNMLS 63076

    Success Mortgage Partners · Cold Spring, KY · licensed in 8 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Darren KaplanNMLS 4232

    Total Mortgage Services · Chapin, SC

    • Low credit score
    • FHA loan
    • Jumbo loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Eric HaubenschildNMLS 267052

    Cardinal Financial Company · Fort Atkinson, WI

    • Low credit score
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Chris CaldwellNMLS 1996815

    CrossCountry Mortgage · Greenville, SC

    • Low credit score
    • Real estate investor
    • Self-employed
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    James HairNMLS 1680348

    CrossCountry Mortgage · Houston, TX · licensed in 11 states

    • Low credit score
    • DSCR loan
    • Renovation loan (203k / HomeStyle)
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Sibyl FernandezNMLS 2138348

    Guild Mortgage · Henderson, NV · licensed in 5 states

    • Low credit score
    • Real estate investor
    • Self-employed
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Mariano MartinezNMLS 2703330

    CrossCountry Mortgage · Alpharetta, GA

    • Low credit score
    • HELOC
    • Non-QM loan
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Tyler JohnstonNMLS 1890179

    JPMorgan Chase Bank (Chase Home Lending) · Nashville, TN

    • Low credit score
    • FHA loan
    • Self-employed
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Mark Gennusa, Sr.NMLS 202648

    Mutual of Omaha Mortgage · Overland Park, KS

    • Low credit score
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Truston VorbeckNMLS 2299045

    JPMorgan Chase Bank (Chase Home Lending) · Nashville, TN · licensed in 2 states

    • Low credit score
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    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 FL (state license, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Danny PierroNMLS 1175309

    Fairway Independent Mortgage Corporation · Shelton, CT · licensed in 2 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Low credit score
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Tyler WagnerNMLS 1691400

    Cardinal Financial Company · Fort Atkinson, WI

    • Low credit score
    • First-time buyer
    • Down payment assistance
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Ryan StollNMLS 151151

    LeaderOne Financial

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Andy PriceNMLS 175742

    Price Mortgage · 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 FL (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    John RussellNMLS 216282

    First Heritage Mortgage · licensed in 9 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Monah RhodesNMLS 1558373

    Guild Mortgage · Middletown, RI · licensed in 10 states

    • Low credit score
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 0 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 FL 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=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.