{
  "canonical_url": "https://lendb.ai/lang/sq/pennsylvania",
  "summary": "As of 2026-10-26, LenDb lists 2 loan officers licensed in or based in Pennsylvania whose lender pages say they speak Albanian. The top-ranked are Irini Lulu (CrossCountry Mortgage, Plymouth Meeting) and Ozzie Ziba (CrossCountry Mortgage, Parsippany). 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": "sq",
  "state": "PA",
  "total": 2,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 482084,
        "slug": "irini-ronen-lulu-482084",
        "full_name": "Irini Lulu",
        "licensed_names": [
          {
            "name": "Irini Ronen-Lulu",
            "name_with_middle_initial": null,
            "first_name": "Irini",
            "middle_initial": null,
            "last_name": "Ronen-Lulu",
            "states": [
              "CA",
              "DE",
              "FL",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084",
        "json_url": "https://lendb.ai/lo/irini-ronen-lulu-482084.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/asset/5808c481-092b-4527-99f5-f2f992e4fc9b/Website/2534_Lulu_482084.jpg",
        "licensed_states": [
          "FL",
          "PA",
          "TX",
          "DE",
          "NJ"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "el",
          "sq"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "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": "2019-01-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-5045/irini-lulu/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Albanian (lender page, verified 2026-10-26)",
        "Office in Plymouth Meeting, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-16",
        "Earliest state license record: January 28, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    },
    {
      "rank": 2,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 1521781,
        "slug": "ozzie-ziba-1521781",
        "full_name": "Ozzie Ziba",
        "canonical_url": "https://lendb.ai/lo/ozzie-ziba-1521781",
        "json_url": "https://lendb.ai/lo/ozzie-ziba-1521781.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": "Parsippany",
          "state": "NJ"
        },
        "headshot_url": "https://thevault.ccm.com/m/6350f6c610dcf37b/Website-3863_Ziba_1521781.jpg",
        "licensed_states": [
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "sq"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/parsippany-nj-3863/nijaz-ziba/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Albanian (lender page, verified 2026-10-22)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/ozzie-ziba-1521781",
      "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": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/parsippany-nj-3863/nijaz-ziba/"
      }
    }
  ]
}