Borrower situations · North Carolina
Loan officers for borrowers with low credit scores in North Carolina
As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in North Carolina whose lender pages show Low credit score work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Chris Caldwell (CrossCountry Mortgage, Greenville) and James Hair (CrossCountry Mortgage, Houston). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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 8
- 1
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Low credit score
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 2
Chris CaldwellNMLS 1996815
CrossCountry Mortgage · Greenville, SC · licensed in 5 states
- Low credit score
- Real estate investor
- Self-employed
- VA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 3
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 11 states
- Low credit score
- DSCR loan
- Renovation loan (203k / HomeStyle)
- Self-employed
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 4
Sibyl FernandezNMLS 2138348
Guild Mortgage · Henderson, NV · licensed in 5 states
- Low credit score
- Real estate investor
- Self-employed
- First-time buyer
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 5
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 27 states
- Low credit score
- Non-QM loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 6
John RussellNMLS 216282
First Heritage Mortgage · licensed in 9 states
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 7
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 NC (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 8
Zach MelderNMLS 1531520
ALCOVA Mortgage · Lynchburg, VA · licensed in 3 states
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NC (listed on lender page, verified 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?
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 NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.