LenDb.ai

Borrower situations · Pennsylvania

Loan officers for ITIN borrowers in Pennsylvania

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Pennsylvania whose lender pages show ITIN borrower work. The top-ranked are Johanna Arias (CrossCountry Mortgage, Allentown), Ronald Atamian (CrossCountry Mortgage, Allentown) and Anthony G Rega (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 8

  1. 1

    Johanna AriasNMLS 908021

    CrossCountry Mortgage · Allentown, PA · licensed in 3 states

    • ITIN borrower
    • DSCR loan
    • Foreign national
    • Non-QM loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • Branch in Pennsylvania
    • 3 years licensed
  2. 2

    Ronald AtamianNMLS 963318

    CrossCountry Mortgage · Allentown, PA · licensed in 6 states

    • ITIN borrower
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (listed on lender page, verified 2026-10-09)
    • Branch in Pennsylvania
    • 5 years licensed
  3. 3

    Anthony G RegaNMLS 399203

    Loan Factory · Mortgage broker · licensed in 5 states

    • ITIN borrower
    • Asset-based qualifying
    • Bank statement loan
    • Construction loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Andrew ZavageNMLS 1920906

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 7 states

    • ITIN borrower
    • 1099 income
    • Down payment assistance
    • FHA loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Jeri ShoopNMLS 224331

    Xpert Home Lending · Mortgage broker · licensed in 4 states

    • ITIN borrower
    • Self-employed
    • VA loan
    • DSCR loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Matthew HagerNMLS 1906682

    Xpert Home Lending · Mortgage broker · licensed in 4 states

    • ITIN borrower
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Suresh SapkotaNMLS 2091996

    Xpert Home Lending · Mortgage broker · licensed in 6 states

    • ITIN borrower
    • Bank statement loan
    • FHA loan
    • Jumbo loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (state license, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Ram MishraNMLS 231417

    Loan Factory · Mortgage broker · licensed in 6 states

    • ITIN borrower
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in PA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Agency loans require a Social Security number, so ITIN loans come from a limited set of portfolio and non-QM lenders.

  • Do you offer ITIN loans, and what down payment do they need?
  • How do you verify my income and credit history?
  • Can I refinance into a different loan later?

More about ITIN borrower

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in PA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

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