{
  "canonical_url": "https://lendb.ai/s/low-credit/indiana",
  "summary": "As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Indiana whose lender pages show Low credit score work. The top-ranked are Nathan Soliday (Success Mortgage Partners, Sellersburg), Beth Garrett (Ruoff Mortgage) and Lance Winters (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "low-credit",
  "state": "IN",
  "total": 10,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 166402,
        "slug": "michael-soliday-166402",
        "full_name": "Nathan Soliday",
        "canonical_url": "https://lendb.ai/lo/michael-soliday-166402",
        "json_url": "https://lendb.ai/lo/michael-soliday-166402.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Sellersburg",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "KY",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": 17,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/nathan-soliday/"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-soliday-166402"
    },
    {
      "rank": 2,
      "score": 48.7,
      "loan_officer": {
        "nmls_id": 782760,
        "slug": "beth-garrett-782760",
        "full_name": "Beth Garrett",
        "canonical_url": "https://lendb.ai/lo/beth-garrett-782760",
        "json_url": "https://lendb.ai/lo/beth-garrett-782760.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN",
          "KY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 11,
        "lender_profile_url": "https://www.ruoff.com/BethGarrett"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "11 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/beth-garrett-782760"
    },
    {
      "rank": 3,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1480213,
        "slug": "lance-winters-1480213",
        "full_name": "Lance Winters",
        "canonical_url": "https://lendb.ai/lo/lance-winters-1480213",
        "json_url": "https://lendb.ai/lo/lance-winters-1480213.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "GA",
          "IN",
          "KY",
          "NY",
          "OH",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2063/lance-winters/"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-winters-1480213"
    },
    {
      "rank": 4,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 63076,
        "slug": "kenneth-prost-63076",
        "full_name": "Ken Prost",
        "canonical_url": "https://lendb.ai/lo/kenneth-prost-63076",
        "json_url": "https://lendb.ai/lo/kenneth-prost-63076.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Cold Spring",
          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IN",
          "KY",
          "MI",
          "MO",
          "OH",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/ken-prost/"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kenneth-prost-63076"
    },
    {
      "rank": 5,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 20486,
        "slug": "rodney-mullins-20486",
        "full_name": "Rodney Mullins",
        "canonical_url": "https://lendb.ai/lo/rodney-mullins-20486",
        "json_url": "https://lendb.ai/lo/rodney-mullins-20486.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KY",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/rodney-mullins/"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rodney-mullins-20486"
    },
    {
      "rank": 6,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (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"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620"
    },
    {
      "rank": 7,
      "score": 44.5,
      "loan_officer": {
        "nmls_id": 1656687,
        "slug": "rachel-pham-1656687",
        "full_name": "Rachel Pham",
        "canonical_url": "https://lendb.ai/lo/rachel-pham-1656687",
        "json_url": "https://lendb.ai/lo/rachel-pham-1656687.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rachel-pham-1656687"
    },
    {
      "rank": 8,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 1064332,
        "slug": "nick-boucher-1064332",
        "full_name": "Nick Boucher",
        "canonical_url": "https://lendb.ai/lo/nick-boucher-1064332",
        "json_url": "https://lendb.ai/lo/nick-boucher-1064332.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Wayne",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/NickBoucher"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/nick-boucher-1064332"
    },
    {
      "rank": 9,
      "score": 39.8,
      "loan_officer": {
        "nmls_id": 175742,
        "slug": "william-price-175742",
        "full_name": "Andy Price",
        "canonical_url": "https://lendb.ai/lo/william-price-175742",
        "json_url": "https://lendb.ai/lo/william-price-175742.json",
        "lender": {
          "nmls_id": 1429043,
          "name": "Price Mortgage",
          "canonical_url": "https://lendb.ai/lender/price-mortgage-1429043",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "MT",
          "NC",
          "NM",
          "OH",
          "OK",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 15,
        "lender_profile_url": "https://pricemortgage.com/about/andy-price/"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/william-price-175742"
    },
    {
      "rank": 10,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 1005320,
        "slug": "adam-vogel-1005320",
        "full_name": "Adam Vogel",
        "canonical_url": "https://lendb.ai/lo/adam-vogel-1005320",
        "json_url": "https://lendb.ai/lo/adam-vogel-1005320.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "IN",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/AdamVogel"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-vogel-1005320"
    }
  ]
}