---
canonical_url: https://lendb.ai/s/low-credit/oregon
last_verified: 2026-10-11
---

# Loan officers for borrowers with low credit scores in Oregon

As of 2026-10-11, LenDb lists 2 loan officers licensed in or based in Oregon whose lender pages show Low credit score work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle) and Kira Stirling (Edge Home Finance). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Kira Stirling](https://lendb.ai/lo/kira-stirling-2109444)** (NMLS 2109444), Edge Home Finance
   - Lists Low credit score on lender page (lender page, verified 2026-10-11)
   - OR 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/oregon.

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