Borrower situations · Virginia

Loan officers for borrowers with low credit scores in Virginia

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Virginia whose lender pages show Low credit score work. The top-ranked are Mary White (TowneBank Mortgage, Glen Allen), Mark Niosi (CrossCountry Mortgage, Dunkirk) and Lance Winters (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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 3

  1. 1

    Mary WhiteNMLS 239330

    TowneBank Mortgage · Bank · Glen Allen, VA

    • Low credit score
    • First-time buyer
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Low credit score on lender page (lender page, verified 2026-10-09)
    • Office in Glen Allen, VA
    • States 40 years of experience (lender page, 2026-10-09)
  2. 2

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Low credit score
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • VA 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 2020 (per Florida records)
    • States 24 years of experience (lender page, 2026-10-09)
  3. 3

    Lance WintersNMLS 1480213

    CrossCountry Mortgage · Columbus, OH · licensed in 13 states

    • Low credit score
    • VA 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)

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 VA license is confirmed with the state regulator (check mark), VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.