Borrower situations · Kansas
Loan officers for borrowers with low credit scores in Kansas
As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Kansas whose lender pages show Low credit score work. The top-ranked are Sherri Rangel (Guild Mortgage, Wichita), Xiaolan Zhu (Loan Factory) and Ravi K Bansal (Loan Factory, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in KS, 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 3
- 1
Sherri RangelNMLS 1367758
Guild Mortgage · Wichita, KS · licensed in 4 states
- Low credit score
- FHA loan
- USDA loan
- VA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in KS (listed on lender page, verified 2026-10-09)
- Branch in Kansas
- 1 years licensed
- 2
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 KS (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 3
Ravi K BansalNMLS 2840451
Loan Factory · Mortgage broker · Seattle, WA · licensed in 19 states
- Low credit score
- Real estate investor
- Asset-based qualifying
- Bank statement loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in KS (listed on lender page, 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?
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 KS 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=KS. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.