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Borrower situations · New York

Loan officers for borrowers with low credit scores in New York

As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in New York whose lender pages show Low credit score work. The top-ranked are Angela Cheung (JPMorgan Chase Bank (Chase Home Lending), Flushing), Sabina Rafalovich (JPMorgan Chase Bank (Chase Home Lending), Brooklyn) and Hernando A Pardo (JPMorgan Chase Bank (Chase Home Lending), Bronx). Ranking is lender-neutral: specialty evidence first, then a license in NY, 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 12

  1. 1

    Angela CheungNMLS 626886

    JPMorgan Chase Bank (Chase Home Lending) · Flushing, NY

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 24 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Sabina RafalovichNMLS 1466578

    JPMorgan Chase Bank (Chase Home Lending) · Brooklyn, NY

    • Low credit score
    • Self-employed
    • FHA loan
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 18 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Hernando A PardoNMLS 814244

    JPMorgan Chase Bank (Chase Home Lending) · Bronx, NY

    • Low credit score
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 21 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Steven LiptonNMLS 23722

    JPMorgan Chase Bank (Chase Home Lending) · New York, NY

    • Low credit score
    • Self-employed
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 15 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    Lance WintersNMLS 1480213

    CrossCountry Mortgage · Columbus, OH · licensed in 13 states

    • Low credit score
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Sean KellyNMLS 796739

    JPMorgan Chase Bank (Chase Home Lending) · New York, NY

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Luke MolitoNMLS 225482

    JPMorgan Chase Bank (Chase Home Lending) · Yorktown Heights, NY

    • Low credit score
    • Co-op
    • Condo
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Nick SwartoutNMLS 1038897

    JPMorgan Chase Bank (Chase Home Lending) · Lake Grove, NY

    • Low credit score
    • First-time buyer
    • Jumbo loan
    • Self-employed
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Zach F GotschNMLS 2024219

    JPMorgan Chase Bank (Chase Home Lending) · New York, NY

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  10. 10

    David ToledoNMLS 28440

    JPMorgan Chase Bank (Chase Home Lending) · Bronx, NY

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 24 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Jinwoo JangNMLS 624740

    JPMorgan Chase Bank (Chase Home Lending) · Oakland Gardens, NY

    • Low credit score
    • Co-op
    • Condo
    • First-time buyer
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  12. 12

    Karolina WiatrowskaNMLS 598021

    JPMorgan Chase Bank (Chase Home Lending) · New York, NY

    • Low credit score
    • Co-op
    • Condo
    • Jumbo loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • 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 NY 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=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.