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Borrower situations · Pennsylvania

Loan officers for borrowers with low credit scores in Pennsylvania

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Pennsylvania whose lender pages show Low credit score work. The top-ranked are Jason Bennett (Loan Factory), Lance Winters (CrossCountry Mortgage, Columbus) and Katy Sychterz (Guild Mortgage, Lancaster). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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 5

  1. 1

    Jason BennettNMLS 147890

    Loan Factory · Mortgage broker · Pennsylvania

    • Low credit score
    • Construction loan
    • DSCR loan
    • HELOC
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (listed on lender page, verified 2026-10-09)
    • Branch in Pennsylvania
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    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 PA (state license, verified 2026-10-09)
    • 1 years licensed
  3. 3

    Katy SychterzNMLS 183951

    Guild Mortgage · Lancaster, PA · licensed in 3 states

    • Low credit score
    • VA loan
    • Down payment assistance
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (listed on lender page, verified 2026-10-09)
    • Branch in Pennsylvania
  4. 4

    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 PA (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
  5. 5

    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 PA (listed on lender page, verified 2026-10-09)
    • 2 years licensed

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?

More about Low credit score

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 PA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=low-credit&state=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.