{
  "canonical_url": "https://lendb.ai/s/low-credit/ohio",
  "summary": "As of 2026-10-09, LenDb lists 6 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 Chuck Butterfield (Churchill Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "low-credit",
  "state": "OH",
  "total": 6,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 1480213,
        "slug": "lance-winters-1480213",
        "full_name": "Lance Winters",
        "canonical_url": "https://lendb.ai/lo/lance-winters-1480213",
        "json_url": "https://lendb.ai/lo/lance-winters-1480213.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "GA",
          "IN",
          "KY",
          "NY",
          "OH",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2063/lance-winters/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-winters-1480213",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/columbus-oh-2063/lance-winters/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 63076,
        "slug": "kenneth-prost-63076",
        "full_name": "Ken Prost",
        "canonical_url": "https://lendb.ai/lo/kenneth-prost-63076",
        "json_url": "https://lendb.ai/lo/kenneth-prost-63076.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Cold Spring",
          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IN",
          "KY",
          "MI",
          "MO",
          "OH",
          "TN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/ken-prost/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kenneth-prost-63076",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.successmortgagepartners.com/advisor/ken-prost/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 175742,
        "slug": "william-price-175742",
        "full_name": "Andy Price",
        "canonical_url": "https://lendb.ai/lo/william-price-175742",
        "json_url": "https://lendb.ai/lo/william-price-175742.json",
        "lender": {
          "nmls_id": 1429043,
          "name": "Price Mortgage",
          "canonical_url": "https://lendb.ai/lender/price-mortgage-1429043",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "MT",
          "NC",
          "NM",
          "OH",
          "OK",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://pricemortgage.com/about/andy-price/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "OH 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/william-price-175742",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://pricemortgage.com/about/andy-price/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 2217156,
        "slug": "trey-howard-2217156",
        "full_name": "Trey Howard",
        "canonical_url": "https://lendb.ai/lo/trey-howard-2217156",
        "json_url": "https://lendb.ai/lo/trey-howard-2217156.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": "OH"
        },
        "licensed_states": [
          "OH"
        ],
        "licenses": [
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/TreyHoward",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Office in Ohio",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/trey-howard-2217156",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/TreyHoward"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 1064332,
        "slug": "nick-boucher-1064332",
        "full_name": "Nick Boucher",
        "canonical_url": "https://lendb.ai/lo/nick-boucher-1064332",
        "json_url": "https://lendb.ai/lo/nick-boucher-1064332.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Wayne",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "MI",
          "OH"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/NickBoucher",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/nick-boucher-1064332",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/NickBoucher"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    }
  ]
}