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Borrower situations · Massachusetts

Loan officers for borrowers with low credit scores in Massachusetts

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Massachusetts whose lender pages show Low credit score work. The top-ranked are Dena Barber (Guild Mortgage, North Dartmouth), Chuck Butterfield (Churchill Mortgage) and Monah Rhodes (Guild Mortgage, Middletown). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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 4

  1. 1

    Dena BarberNMLS 16301

    Guild Mortgage · North Dartmouth, MA · licensed in 4 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • Branch in Massachusetts
    • 8 years licensed
  2. 2

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • Low credit score
    • First-time buyer
    • Real estate investor
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (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
  3. 3

    Monah RhodesNMLS 1558373

    Guild Mortgage · Middletown, RI · licensed in 10 states

    • Low credit score
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Andrew KatzensteinNMLS 1770359

    JPMorgan Chase Bank (Chase Home Lending) · Boston, MA

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
    • 9 years experience (stated on lender page, 2026-10-09)
    • 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?

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 must be licensed in MA 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=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.