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

# 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 Michelle Muqtadir (CrossCountry Mortgage, Seattle), Melanie Hines (Loan Factory) and Chuck Butterfield (Churchill Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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)
   - TX 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. **[Melanie Hines](https://lendb.ai/lo/melanie-hines-1666686)** (NMLS 1666686), Loan Factory, TX
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Texas
   - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[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)
   - TX 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)
4. **[Xiaolan Zhu](https://lendb.ai/lo/xiaolan-zhu-2180005)** (NMLS 2180005), Loan Factory
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
5. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)

## 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/texas.

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