Borrower situations · Ohio
Loan officers for borrowers with low credit scores in Ohio
As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Ohio whose lender pages show Low credit score work. The top-ranked are Lance Winters (CrossCountry Mortgage, Columbus), Ken Prost (Success Mortgage Partners, Cold Spring) and Rodney Mullins (Union Home Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in OH, 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
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 OH (listed on lender page, verified 2026-10-09)
- Branch in Ohio
- 1 years licensed
- 2
Ken ProstNMLS 63076
Success Mortgage Partners · Cold Spring, KY · licensed in 8 states
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in OH (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 3
Rodney MullinsNMLS 20486
Union Home Mortgage · Tampa, FL · licensed in 4 states
- Low credit score
- Down payment assistance
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in OH (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 4
Trey HowardNMLS 2217156
Ruoff Mortgage · Ohio
- Low credit score
- USDA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in OH (listed on lender page, verified 2026-10-09)
- Branch in Ohio
- No disciplinary actions on file at LenDb
- 5
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 OH (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
- 6
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 OH (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 7
Nick BoucherNMLS 1064332
Ruoff Mortgage · Fort Wayne, IN · licensed in 3 states
- Low credit score
- First-time buyer
- Real estate investor
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in OH (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Ravi K BansalNMLS 2840451
Loan Factory · Mortgage broker · Seattle, WA · licensed in 19 states
- Low credit score
- Real estate investor
- Asset-based qualifying
- Bank statement loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in OH (listed on lender page, verified 2026-10-09)
- 0 years licensed
- 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 OH 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=OH. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.