Borrower situations · Pennsylvania

Loan officers for 1099 earners in Pennsylvania

As of 2026-10-10, LenDb lists 4 loan officers licensed in or based in Pennsylvania whose lender pages show 1099 income work. The top-ranked are Ronald Atamian (CrossCountry Mortgage, Allentown), Raja Rajan (Loan Factory) and Rachel Pham (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 4

  1. 1

    Ronald AtamianNMLS 963318

    CrossCountry Mortgage · Allentown, PA · licensed in 6 states

    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Office in Allentown, PA
    • Licensed since 2021 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  2. 2

    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)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  3. 3

    Rachel PhamNMLS 1656687

    Loan Factory · Mortgage broker · licensed in 4 states

    • 1099 income
    • First-time buyer
    • Real estate investor
    • Self-employed
    • PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
  4. 4

    Maikel HannaNMLS 2583311

    Loan Factory · Mortgage broker · licensed in 2 states

    • 1099 income
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 111237), verified 2026-10-10
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)

Before you choose

Agency rules treat 1099 earners like the self-employed, while some non-QM programs qualify directly from 1099 forms.

  • Can you qualify me from my 1099 forms alone?
  • How many years of 1099 history do you need?
  • How do business expenses affect my qualifying income?

More about 1099 income

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed 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 (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=1099-income&state=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.