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

# Loan officers for borrowers with low credit scores in South Carolina

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in South Carolina whose lender pages show Low credit score work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk) and Chris Caldwell (CrossCountry Mortgage, Greenville). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 23, 2020 (Florida), per state regulator
   - States 24 years of experience (lender page, 2026-10-09)
2. **[Chris Caldwell](https://lendb.ai/lo/christopher-caldwell-1996815)** (NMLS 1996815), CrossCountry Mortgage, Greenville, SC
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Greenville, SC
   - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 29, 2022 (Florida), per state regulator

## 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/south-carolina.

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