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

# Loan officers for borrowers with low credit scores in Pennsylvania

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Pennsylvania whose lender pages show Low credit score work. The top-ranked are Lance Winters (CrossCountry Mortgage, Columbus), Chuck Butterfield (Churchill Mortgage) 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.

## Ranked, with reasons

1. **[Lance Winters](https://lendb.ai/lo/lance-winters-1480213)** (NMLS 1480213), CrossCountry Mortgage, Columbus, OH
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 69554), verified 2026-10-09
   - Licensed since 2016 (per Colorado records)
2. **[Chuck Butterfield](https://lendb.ai/lo/chuck-butterfield-176620)** (NMLS 176620), Churchill Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - PA 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)
3. **[Katy Sychterz](https://lendb.ai/lo/katy-sychterz-183951)** (NMLS 183951), Guild Mortgage, Lancaster, PA
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Lancaster, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
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)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)

## 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/pennsylvania.

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