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

# 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.

## Ranked, with reasons

1. **[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)
   - KY 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)
2. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 11 years of experience (lender page, 2026-10-09)
3. **[Lance Winters](https://lendb.ai/lo/lance-winters-1480213)** (NMLS 1480213), CrossCountry Mortgage, Columbus, OH
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado 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/kentucky.

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