---
canonical_url: https://lendb.ai/s/1099-income/pennsylvania
last_verified: 2026-10-10
---

# 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.

## Ranked, with reasons

1. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Office in Allentown, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
2. **[Raja Rajan](https://lendb.ai/lo/raja-rajan-1910114)** (NMLS 1910114), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
3. **[Rachel Pham](https://lendb.ai/lo/rachel-pham-1656687)** (NMLS 1656687), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Maikel Hanna](https://lendb.ai/lo/maikel-hanna-2583311)** (NMLS 2583311), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 111237), verified 2026-10-10

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/1099-income/pennsylvania.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._