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

# 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.

## 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)
   - TN 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. **[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)
   - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
3. **[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)
   - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
4. **[James Hirst](https://lendb.ai/lo/james-hirst-880547)** (NMLS 880547), American Pacific Mortgage, Layton, UT
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - TN 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/tennessee.

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