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

# Loan officers for borrowers with low credit scores in Illinois

As of 2026-10-09, LenDb lists 3 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), Samantha Bayless (Ruoff Mortgage) and Kyle Fallon (CrossCountry Mortgage, Oak Brook). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Kim Martorano](https://lendb.ai/lo/kim-martorano-225229)** (NMLS 225229), Guild Mortgage, Chicago, IL
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Chicago, IL
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-09)
2. **[Samantha Bayless](https://lendb.ai/lo/samantha-bayless-460970)** (NMLS 460970), Ruoff Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 19 years of experience (lender page, 2026-10-09)
3. **[Kyle Fallon](https://lendb.ai/lo/kyle-fallon-1581693)** (NMLS 1581693), CrossCountry Mortgage, Oak Brook, IL
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Oak Brook, IL
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (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/illinois.

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