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

# 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.

## Ranked, with reasons

1. **[Mary White](https://lendb.ai/lo/mary-white-239330)** (NMLS 239330), TowneBank Mortgage, Glen Allen, VA
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Glen Allen, VA
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 40 years of experience (lender page, 2026-10-09)
2. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 23, 2020 (Florida), per state regulator
   - States 24 years of experience (lender page, 2026-10-09)
3. **[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)
   - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: May 16, 2016 (Colorado), per state regulator

## 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/virginia.

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