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Borrower situations · Kentucky

Loan officers for borrowers with low credit scores in Kentucky

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Kentucky whose lender pages show Low credit score work. The top-ranked are Samantha Bayless (Ruoff Mortgage), Beth Garrett (Ruoff Mortgage) and Lance Winters (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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. 1

    Samantha BaylessNMLS 460970

    Ruoff Mortgage · licensed in 3 states

    • Low credit score
    • USDA loan
    • FHA loan
    • New construction
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 19 years of experience (lender page, 2026-10-09)
  2. 2

    Beth GarrettNMLS 782760

    Ruoff Mortgage

    • Low credit score
    • Down payment assistance
    • First-time buyer
    • New construction
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • States 11 years of experience (lender page, 2026-10-09)
  3. 3

    Lance WintersNMLS 1480213

    CrossCountry Mortgage · Columbus, OH · licensed in 13 states

    • Low credit score
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)

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 are listed when a KY license is confirmed with the state regulator (check mark), KY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.