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

# Loan officers for borrowers with low credit scores in New York

As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in New York whose lender pages show Low credit score work. The top-ranked is Lance Winters (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - NY 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/new-york.

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