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Borrower situations · Texas

Loan officers for borrowers with low credit scores in Texas

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Texas whose lender pages show Low credit score work. The top-ranked are Melanie Hines (Loan Factory), Michelle Muqtadir (CrossCountry Mortgage, Seattle) and Maraea Corona (Empire Home Loans, Harker Heights). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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 6

  1. 1

    Melanie HinesNMLS 1666686

    Loan Factory · Mortgage broker · Texas

    • Low credit score
    • First-time buyer
    • Real estate investor
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Low credit score
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
  3. 3

    Maraea CoronaNMLS 2270317

    Empire Home Loans · Mortgage broker · Harker Heights, TX

    • Low credit score
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Branch in Texas; no license list on file yet, verify at NMLS Consumer Access
    • 23 years experience (stated on lender page, 2026-10-09)
  4. 4

    Xiaolan ZhuNMLS 2180005

    Loan Factory · Mortgage broker · licensed in 7 states

    • Low credit score
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
  5. 5

    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 TX (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
  6. 6

    Andy PriceNMLS 175742

    Price Mortgage · Mortgage broker · licensed in 27 states

    • Low credit score
    • Non-QM loan
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 5 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 TX 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.