{ "canonical_url": "https://lendb.ai/lang/es/pennsylvania", "summary": "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.", "language": "es", "state": "PA", "total": 22, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 41.3, "loan_officer": { "nmls_id": 908021, "slug": "johanna-arias-908021", "full_name": "Johanna Arias", "licensed_names": [ { "name": "Johanna Arias", "name_with_middle_initial": "Johanna A. Arias", "first_name": "Johanna", "middle_initial": "A", "last_name": "Arias", "states": [ "FL", "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/johanna-arias-908021", "json_url": "https://lendb.ai/lo/johanna-arias-908021.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/asset/1ec23109-459a-4a1c-b709-2e84a33f4d0e/Website/2587_Arias_908021.jpg", "licensed_states": [ "FL", "PA", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "fha", "heloc", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-01-11", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Allentown, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 92761), verified 2026-10-16", "Earliest state license record: January 11, 2023 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/johanna-arias-908021", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 92761), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" } }, { "rank": 2, "score": 38, "loan_officer": { "nmls_id": 2468702, "slug": "elena-flynn-2468702", "full_name": "Elena Flynn", "licensed_names": [ { "name": "Elena Flynn", "name_with_middle_initial": "Elena M. Flynn", "first_name": "Elena", "middle_initial": "M", "last_name": "Flynn", "states": [ "FL", "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/elena-flynn-2468702", "json_url": "https://lendb.ai/lo/elena-flynn-2468702.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bethlehem", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/asset/4f893926-5725-4517-92d1-7658cd86123f/Website/4562_Flynn_2468702.jpg", "licensed_states": [ "FL", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-02-02", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/bethlehem-pa-5349/elena-flynn/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Bethlehem, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 104597), verified 2026-10-16", "Earliest state license record: February 2, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/elena-flynn-2468702", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 104597), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" } }, { "rank": 3, "score": 36.5, "loan_officer": { "nmls_id": 2502635, "slug": "carmen-dancsecs-2502635", "full_name": "Carmen Dancsecs", "licensed_names": [ { "name": "Carmen Dancsecs", "name_with_middle_initial": "Carmen S. Dancsecs", "first_name": "Carmen", "middle_initial": "S", "last_name": "Dancsecs", "states": [ "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/carmen-dancsecs-2502635", "json_url": "https://lendb.ai/lo/carmen-dancsecs-2502635.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/asset/53f74665-e6a0-4b0b-bc26-f2e663d36906/Website/2545_Dancsecs_2502635.jpg", "licensed_states": [ "PA", "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2548/carmen-dancsecs/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Allentown, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 105958), verified 2026-10-16" ], "canonical_url": "https://lendb.ai/lo/carmen-dancsecs-2502635", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 105958), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" } }, { "rank": 4, "score": 36.3, "loan_officer": { "nmls_id": 1001479, "slug": "anthony-flecha-1001479", "full_name": "Anthony Flecha", "canonical_url": "https://lendb.ai/lo/anthony-flecha-1001479", "json_url": "https://lendb.ai/lo/anthony-flecha-1001479.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Plymouth Meeting", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/m/959410c70815a4f6/Website-2512_Flecha_1001479.jpg", "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "fha", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-2512/anthony-flecha/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Plymouth Meeting, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 52759), verified 2026-10-16" ], "canonical_url": "https://lendb.ai/lo/anthony-flecha-1001479", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 52759), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" } }, { "rank": 5, "score": 36.3, "loan_officer": { "nmls_id": 2419083, "slug": "william-rodriguez-2419083", "full_name": "William Rodriguez", "canonical_url": "https://lendb.ai/lo/william-rodriguez-2419083", "json_url": "https://lendb.ai/lo/william-rodriguez-2419083.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bethlehem", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/m/6524d73ad7548001/Website-3208_Rodriguez_2419083.jpg", "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/bethlehem-pa-3208/william-rodriguez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Bethlehem, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 103102), verified 2026-10-16" ], "canonical_url": "https://lendb.ai/lo/william-rodriguez-2419083", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 103102), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" } }, { "rank": 6, "score": 33.3, "loan_officer": { "nmls_id": 2157405, "slug": "sara-gibson-2157405", "full_name": "Sara Gibson", "canonical_url": "https://lendb.ai/lo/sara-gibson-2157405", "json_url": "https://lendb.ai/lo/sara-gibson-2157405.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "headshot_url": "https://thevault.ccm.com/m/4c2a9a2966b42d54/Website-2548_Gibson_2157405.jpg", "licensed_states": [ "NJ", "PA" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2548/sara-gibson/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Allentown, PA", "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/sara-gibson-2157405", "license_check": { "state": "PA", "confidence": "lender_reported", "eligible": true, "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/allentown-pa-2548/sara-gibson/" } }, { "rank": 7, "score": 32.8, "loan_officer": { "nmls_id": 2558713, "slug": "zuleem-garcia-2558713", "full_name": "Zuleem Garcia", "canonical_url": "https://lendb.ai/lo/zuleem-garcia-2558713", "json_url": "https://lendb.ai/lo/zuleem-garcia-2558713.json", "lender": { "nmls_id": 2764, "name": "Total Mortgage Services", "slug": "total-mortgage-services-2764", "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764", "type": "imb" }, "branch": { "city": "Salem", "state": "NH" }, "headshot_url": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FZuleem_Garcia_2558713%2FZuleem_Garcia_2558713_1764094148873_small.jpg&w=640&q=75", "licensed_states": [ "FL", "MA", "NH", "PA", "RI" ], "licenses": [ { "state": "FL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "co-op", "construction", "fha", "heloc", "jumbo", "low-credit", "non-qm", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://www.totalmortgage.com/bankers/zuleem-garcia", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 23 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/zuleem-garcia-2558713", "license_check": { "state": "PA", "confidence": "lender_reported", "eligible": true, "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.totalmortgage.com/bankers/zuleem-garcia" } }, { "rank": 8, "score": 32.5, "loan_officer": { "nmls_id": 262447, "slug": "cristovao-correia-262447", "full_name": "Chris Correia", "canonical_url": "https://lendb.ai/lo/cristovao-correia-262447", "json_url": "https://lendb.ai/lo/cristovao-correia-262447.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Paramus", "state": "NJ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_13899_Cristovao_Correia", "licensed_states": [ "FL", "PA", "NY" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es", "pt" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-07-09", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/chris-correia", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 9, 2019 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/cristovao-correia-262447", "license_check": { "state": "PA", "confidence": "lender_reported", "eligible": true, "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/chris-correia-262447" } }, { "rank": 9, "score": 32.5, "loan_officer": { "nmls_id": 1910114, "slug": "raja-rajan-1910114", "full_name": "Raja Rajan", "licensed_names": [ { "name": "Raja Rajan", "name_with_middle_initial": "Raja B. Rajan", "first_name": "Raja", "middle_initial": "B", "last_name": "Rajan", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/raja-rajan-1910114", "json_url": "https://lendb.ai/lo/raja-rajan-1910114.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/3tFMVSY_xdMPJ4xrd6lLTWp3-xKdnk_3pKehyx0PBPiPbkkNVkDmlTN-SsSW31zFxTFqwORqzSdLJl6P5FsB-aDyVVFkuEn0FNFbGQ", "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2019-11-26", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/raja-rajan-1910114", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "PA listed on their lender page (not yet checked with the state regulator; 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