Borrower situations · Washington
Loan officers for borrowers with low credit scores in Washington
As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in Washington whose lender pages show Low credit score work. The top-ranked are George Pressley (Loan Factory), Michelle Muqtadir (CrossCountry Mortgage, Seattle) and Xiaolan Zhu (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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 13
- 1
George PressleyNMLS 94040
Loan Factory · Washington
- Low credit score
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 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 WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 3 years licensed
- 3
Xiaolan ZhuNMLS 2180005
Loan Factory · 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 WA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 4
Lance WintersNMLS 1480213
CrossCountry Mortgage · Columbus, OH · licensed in 13 states
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 5
Vince Paul VenturaNMLS 9030
Guild Mortgage · Salem, OR · licensed in 4 states
- Low credit score
- Construction loan
- FHA loan
- First-time buyer
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Ravi K BansalNMLS 2840451
Loan Factory · Seattle, WA · licensed in 19 states
- Low credit score
- Real estate investor
- Asset-based qualifying
- Bank statement loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 0 years licensed
- 7
Liliana MendozaNMLS 1735086
JPMorgan Chase Bank (Chase Home Lending) · Yakima, WA
- Low credit score
- First-time buyer
- Self-employed
- VA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 8
Mytintie GebregiorgisNMLS 2595499
JPMorgan Chase Bank (Chase Home Lending) · Seattle, WA
- Low credit score
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 9
Andy PriceNMLS 175742
Price Mortgage · 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 WA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 10
Rosy CarranzaNMLS 1031531
JPMorgan Chase Bank (Chase Home Lending) · Everett, WA
- Low credit score
- First-time buyer
- HELOC
- FHA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 11
Bill HunterNMLS 1652774
Evergreen Home Loans · Sandpoint, ID · licensed in 6 states
- Low credit score
- Down payment assistance
- Self-employed
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Maritza DeLoeraNMLS 1806932
JPMorgan Chase Bank (Chase Home Lending) · Kent, WA
- Low credit score
- Down payment assistance
- FHA loan
- VA loan
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- 6 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Sara AlavyNMLS 2298077
JPMorgan Chase Bank (Chase Home Lending) · Sammamish, WA
- Low credit score
- First-time buyer
- HELOC
- Self-employed
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
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?
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 WA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=low-credit&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.