---
canonical_url: https://lendb.ai/s/low-credit/florida
last_verified: 2026-10-09
---

# Loan officers for borrowers with low credit scores in Florida

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Florida whose lender pages show Low credit score work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Sandy E. Dresser (Network Funding, Middleburg) and Michelle Muqtadir (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO79306), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 24 years of experience (lender page, 2026-10-09)
2. **[Sandy E. Dresser](https://lendb.ai/lo/sandy-dresser-300174)** (NMLS 300174), Network Funding, Middleburg, FL
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Middleburg, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO15947), verified 2026-10-09
   - Licensed since 2012 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
3. **[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 FL: confirmed with the Florida regulator (license LO117004), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Ken Prost](https://lendb.ai/lo/kenneth-prost-63076)** (NMLS 63076), Success Mortgage Partners, Cold Spring, KY
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO56488), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
5. **[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 FL: confirmed with the Florida regulator (license LO135701), verified 2026-10-09
   - Licensed since 2016 (per Colorado records)
6. **[Chris Caldwell](https://lendb.ai/lo/christopher-caldwell-1996815)** (NMLS 1996815), CrossCountry Mortgage, Greenville, SC
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO106907), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
7. **[Darren Kaplan](https://lendb.ai/lo/darren-kaplan-4232)** (NMLS 4232), Total Mortgage Services, Chapin, SC
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO55543), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
8. **[Tim Halverson](https://lendb.ai/lo/timothy-halverson-240583)** (NMLS 240583), Empire Home Loans, Fair Oaks, CA
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO129948), verified 2026-10-09
   - Licensed since 2024 (per Florida records)
   - States 34 years of experience (lender page, 2026-10-09)
9. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO95663), verified 2026-10-09
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
10. **[Ryan Stoll](https://lendb.ai/lo/ryan-stoll-151151)** (NMLS 151151), LeaderOne Financial
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO39033), verified 2026-10-09
   - Licensed since 2017 (per Florida records)

## 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/florida.

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