--- canonical_url: https://lendb.ai/lang/es/pennsylvania last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA - 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) 2. **[Elena Flynn](https://lendb.ai/lo/elena-flynn-2468702)** (NMLS 2468702), CrossCountry Mortgage, Bethlehem, PA - 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 3. **[Carmen Dancsecs](https://lendb.ai/lo/carmen-dancsecs-2502635)** (NMLS 2502635), CrossCountry Mortgage, Allentown, PA - 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 4. **[Anthony Flecha](https://lendb.ai/lo/anthony-flecha-1001479)** (NMLS 1001479), CrossCountry Mortgage, Plymouth Meeting, PA - 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 5. **[William Rodriguez](https://lendb.ai/lo/william-rodriguez-2419083)** (NMLS 2419083), CrossCountry Mortgage, Bethlehem, PA - 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 6. **[Sara Gibson](https://lendb.ai/lo/sara-gibson-2157405)** (NMLS 2157405), CrossCountry Mortgage, Allentown, PA - 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) 7. **[Zuleem Garcia](https://lendb.ai/lo/zuleem-garcia-2558713)** (NMLS 2558713), Total Mortgage Services, Salem, NH - 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) 8. **[Chris Correia](https://lendb.ai/lo/cristovao-correia-262447)** (NMLS 262447), CMG Home Loans, Paramus, NJ - 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) 9. **[Raja Rajan](https://lendb.ai/lo/raja-rajan-1910114)** (NMLS 1910114), Loan Factory - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 26, 2019 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 10. **[Alexander Cardoso](https://lendb.ai/lo/alexander-cardoso-363184)** (NMLS 363184), Loan Factory, Medford, NJ - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 18, 2022 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-09) 11. **[Gustavo Laserna](https://lendb.ai/lo/gustavo-laserna-38588)** (NMLS 38588), Wells Fargo Home Mortgage, Philadelphia, PA - Speaks Spanish (lender page, verified 2026-10-19) - Office in Philadelphia, PA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[David Rodriguez](https://lendb.ai/lo/david-rodriguez-209052)** (NMLS 209052), Integrity Home Mortgage Corporation, Jersey Village, TX - Speaks Spanish (lender page, verified 2026-10-15) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 2, 2010 (Texas), per state regulator 13. **[Fernando Gonzalez](https://lendb.ai/lo/fernando-gonzalez-1413477)** (NMLS 1413477), Bank of America, Allentown, PA - Speaks Spanish (lender page, verified 2026-10-19) - Office in Allentown, PA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Sal Irizarry](https://lendb.ai/lo/salvador-irizarry-1613344)** (NMLS 1613344), United Mortgage Corp., Toms River, NJ - Speaks Spanish (lender page, verified 2026-10-21) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 11, 2018 (Florida), per state regulator 15. **[Vince Gutierrez](https://lendb.ai/lo/vicente-gutierrez-2088096)** (NMLS 2088096), NFM Lending, Medford Lakes, NJ - 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: September 13, 2021 (Florida), per state regulator - States 7 years of experience (lender page, 2026-10-20) 16. **[Nick Rios](https://lendb.ai/lo/nicolas-rios-1997670)** (NMLS 1997670), CrossCountry Mortgage, Wilmington, NC - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2022 (Florida), per state regulator 17. **[John Ortega](https://lendb.ai/lo/john-ortega-461624)** (NMLS 461624), Churchill Mortgage, Irvine, CA - 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: March 16, 2023 (Iowa), per state regulator 18. **[Ozzie Ziba](https://lendb.ai/lo/ozzie-ziba-1521781)** (NMLS 1521781), CrossCountry Mortgage, Parsippany, NJ - Speaks Spanish (lender page, verified 2026-10-22) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Iveliz Silva](https://lendb.ai/lo/iveliz-silva-2147476)** (NMLS 2147476), Loan Factory - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2022 (Florida), per state regulator 20. **[Raymond Garcia](https://lendb.ai/lo/raymond-garcia-calvo-2559091)** (NMLS 2559091), Cliffco, Inc., Uniondale, NY - Speaks Spanish (lender page, verified 2026-10-15) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Fernando Suarez](https://lendb.ai/lo/fernando-suarez-316259)** (NMLS 316259), Loan Factory, Westminster, CA - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 14, 2024 (Texas), per state regulator 22. **[Maria Aponte](https://lendb.ai/lo/maria-aponte-2837238)** (NMLS 2837238), Loan Factory - Speaks Spanish (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) Cite as: LenDb.ai, https://lendb.ai/lang/es/pennsylvania. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._