Languages · Pennsylvania
Spanish-speaking loan officers in Pennsylvania
As of 2026-10-26, LenDb lists 22 loan officers licensed in or based in Pennsylvania whose lender pages say they speak Spanish. The top-ranked are Johanna Arias (CrossCountry Mortgage, Allentown), Elena Flynn (CrossCountry Mortgage, Bethlehem) and Carmen Dancsecs (CrossCountry Mortgage, Allentown). Ranking is lender-neutral: a license in PA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.
Last verified . Sources: loan officers' own lender pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 22
- 1
Johanna AriasNMLS 908021
CrossCountry Mortgage · Allentown, PA · licensed in 3 states
- DSCR loan
- First-time buyer
- Foreign national
- ITIN borrower
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 92761), verified 2026-10-16
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Allentown, PA
- Earliest state license record: January 11, 2023 (Florida), per state regulator
- States 10 years of experience (lender page, 2026-10-09)
- 2
Elena FlynnNMLS 2468702
CrossCountry Mortgage · Bethlehem, PA · licensed in 2 states
- Down payment assistance
- FHA loan
- First-time buyer
- Refinance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 104597), verified 2026-10-16
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Bethlehem, PA
- Earliest state license record: February 2, 2024 (Florida), per state regulator
- 3
Carmen DancsecsNMLS 2502635
CrossCountry Mortgage · Allentown, PA · licensed in 2 states
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 105958), verified 2026-10-16
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Allentown, PA
- 4
Anthony FlechaNMLS 1001479
CrossCountry Mortgage · Plymouth Meeting, PA
- Down payment assistance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 52759), verified 2026-10-16
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Plymouth Meeting, PA
- 5
William RodriguezNMLS 2419083
CrossCountry Mortgage · Bethlehem, PA
- VA loan
- Refinance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 103102), verified 2026-10-16
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Bethlehem, PA
- 6
Sara GibsonNMLS 2157405
CrossCountry Mortgage · Allentown, PA · licensed in 2 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Allentown, PA
- 7
Zuleem GarciaNMLS 2558713
Total Mortgage Services · Salem, NH · licensed in 5 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- States 23 years of experience (lender page, 2026-10-21)
- 8
Chris CorreiaNMLS 262447
CMG Home Loans · Paramus, NJ · licensed in 3 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-20)
- Earliest state license record: July 9, 2019 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 9
Raja RajanNMLS 1910114
Loan Factory · Mortgage broker
- 1099 income
- Bank statement loan
- Vacation home
- DSCR loan
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: November 26, 2019 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 10
Alexander CardosoNMLS 363184
Loan Factory · Mortgage broker · Medford, NJ · licensed in 10 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: October 18, 2022 (Florida), per state regulator
- States 27 years of experience (lender page, 2026-10-09)
- 11
Gustavo LasernaNMLS 38588
Wells Fargo Home Mortgage · Bank · Philadelphia, PA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Philadelphia, PA
- 12
David RodriguezNMLS 209052
Integrity Home Mortgage Corporation · Jersey Village, TX · licensed in 29 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Earliest state license record: September 2, 2010 (Texas), per state regulator
- 13
Fernando GonzalezNMLS 1413477
Bank of America · Bank · Allentown, PA
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Allentown, PA
- 14
Sal IrizarryNMLS 1613344
United Mortgage Corp. · Toms River, NJ · licensed in 5 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Earliest state license record: January 11, 2018 (Florida), per state regulator
- 15
Vince GutierrezNMLS 2088096
NFM Lending · Medford Lakes, NJ · licensed in 4 states
- First-time buyer
- Real estate investor
- Self-employed
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-20)
- Earliest state license record: September 13, 2021 (Florida), per state regulator
- States 7 years of experience (lender page, 2026-10-20)
- 16
Nick RiosNMLS 1997670
CrossCountry Mortgage · Wilmington, NC · licensed in 3 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: November 3, 2022 (Florida), per state regulator
- 17
John OrtegaNMLS 461624
Churchill Mortgage · Irvine, CA · licensed in 22 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-20)
- Earliest state license record: March 16, 2023 (Iowa), per state regulator
- 18
Ozzie ZibaNMLS 1521781
CrossCountry Mortgage · Parsippany, NJ · licensed in 2 states
- First-time buyer
- FHA loan
- Refinance
- HELOC
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-22)
- 19
Iveliz SilvaNMLS 2147476
Loan Factory · Mortgage broker · licensed in 2 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: June 9, 2022 (Florida), per state regulator
- 20
Raymond GarciaNMLS 2559091
Cliffco, Inc. · Uniondale, NY · licensed in 3 states
- Real estate investor
- Self-employed
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- 21
Fernando SuarezNMLS 316259
Loan Factory · Mortgage broker · Westminster, CA · licensed in 6 states
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: June 14, 2024 (Texas), per state regulator
- 22
Maria AponteNMLS 2837238
Loan Factory · Mortgage broker
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
How this list is ranked
A loan officer is listed when their own lender page lists Spanish. Loan officers are included when a PA license is confirmed with the state regulator (check mark), PA 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 and profile completeness. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?lang=es&state=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.