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Borrower situations · Illinois

Loan officers for borrowers with low credit scores in Illinois

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Illinois whose lender pages show Low credit score work. The top-ranked are Kim Martorano (Guild Mortgage, Chicago), Kyle Fallon (CrossCountry Mortgage, Oak Brook) and Xiaolan Zhu (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in IL, 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 6

  1. 1

    Kim MartoranoNMLS 225229

    Guild Mortgage · Chicago, IL

    • Low credit score
    • First-time buyer
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 25 years experience (stated on lender page, 2026-10-09)
  2. 2

    Kyle FallonNMLS 1581693

    CrossCountry Mortgage · Oak Brook, IL

    • Low credit score
    • Self-employed
    • FHA loan
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 4 years licensed
  3. 3

    Xiaolan ZhuNMLS 2180005

    Loan Factory · Mortgage broker · licensed in 7 states

    • Low credit score
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 3 years licensed
  4. 4

    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 IL (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
  5. 5

    Andy PriceNMLS 175742

    Price Mortgage · Mortgage broker · 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 IL (listed on lender page, verified 2026-10-09)
    • 5 years licensed
  6. 6

    Mark VelicerNMLS 2679443

    Loan Factory · Mortgage broker · licensed in 3 states

    • Low credit score
    • Real estate investor
    • Asset-based qualifying
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)

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 IL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

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