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Borrower situations · Tennessee

Loan officers for borrowers with low credit scores in Tennessee

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Tennessee whose lender pages show Low credit score work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Lance Winters (CrossCountry Mortgage, Columbus) and Chris Caldwell (CrossCountry Mortgage, Greenville). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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 4

  1. 1

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Low credit score
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Lance WintersNMLS 1480213

    CrossCountry Mortgage · Columbus, OH · licensed in 13 states

    • Low credit score
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  3. 3

    Chris CaldwellNMLS 1996815

    CrossCountry Mortgage · Greenville, SC · licensed in 5 states

    • Low credit score
    • Real estate investor
    • Self-employed
    • VA loan
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  4. 4

    James HirstNMLS 880547

    American Pacific Mortgage · Layton, UT · licensed in 3 states

    • Low credit score
    • First-time buyer
    • TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)

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 are listed when a TN license is confirmed with the state regulator (check mark), TN is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.