Borrower situations · Maryland

Loan officers for borrowers with low credit scores in Maryland

As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Maryland whose lender pages show Low credit score work. The top-ranked is Mark Niosi (CrossCountry Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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 1

  1. 1

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Low credit score
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • MD 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)
    • Office in Dunkirk, MD
    • Earliest state license record: December 23, 2020 (Florida), per state regulator
    • States 24 years of experience (lender page, 2026-10-09)

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 MD license is confirmed with the state regulator (check mark), MD 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.