---
canonical_url: https://lendb.ai/s/low-credit/north-carolina
last_verified: 2026-10-09
---

# Loan officers for borrowers with low credit scores in North Carolina

As of 2026-10-09, LenDb lists 5 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 Andy Price (Price Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
   - States 24 years of experience (lender page, 2026-10-09)
2. **[Chris Caldwell](https://lendb.ai/lo/christopher-caldwell-1996815)** (NMLS 1996815), CrossCountry Mortgage, Greenville, SC
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
3. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
4. **[John Russell](https://lendb.ai/lo/john-russell-216282)** (NMLS 216282), First Heritage Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
5. **[Zach Melder](https://lendb.ai/lo/zach-melder-1531520)** (NMLS 1531520), ALCOVA Mortgage, Lynchburg, VA
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/north-carolina.

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