---
canonical_url: https://lendb.ai/s/itin/pennsylvania
last_verified: 2026-10-09
---

# Loan officers for ITIN borrowers in Pennsylvania

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Pennsylvania whose lender pages show ITIN borrower work. The top-ranked are Johanna Arias (CrossCountry Mortgage, Allentown) and Ronald Atamian (CrossCountry Mortgage, Allentown). 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. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Allentown, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 92761), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
2. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Allentown, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/itin/pennsylvania.

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