{
  "canonical_url": "https://lendb.ai/s/low-credit/west-virginia",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in West Virginia whose lender pages show Low credit score work. The top-ranked is Mark Niosi (CrossCountry Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "low-credit",
  "state": "WV",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 216306,
        "slug": "mark-niosi-216306",
        "full_name": "Mark Niosi",
        "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
        "json_url": "https://lendb.ai/lo/mark-niosi-216306.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dunkirk",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    }
  ]
}