---
canonical_url: https://lendb.ai/lo/janeth-pannen-1502086
json_url: https://lendb.ai/lo/janeth-pannen-1502086.json
nmls_id: 1502086
last_verified: 2026-10-09
---

# Janeth Pannen

Sr. Loan Officer at Intercap Lending. NMLS ID 1502086 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1502086)).

**Summary:** Janeth Pannen (NMLS 1502086) is Sr. Loan Officer at Intercap Lending. Lists Arizona, California, Illinois, Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, ITIN borrower, Self-employed and Foreign national. Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Illinois (IL, lender_reported), Oregon (OR, lender_reported), Washington (WA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/janeth-pannen/
- **ITIN borrower** (`itin`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/janeth-pannen/
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/janeth-pannen/
- **Foreign national** (`foreign-national`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.intercaplending.com/loan-officer/janeth-pannen/

## About

Bilingual Sr. Loan Officer specializing in residential lending for first-time buyers and experienced homeowners, including those self-employed or with complex income profiles.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: Pacific Northwest and Arizona; licensed in AZ, CA, IL, OR, WA. Source: https://www.intercaplending.com/loan-officer/janeth-pannen/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Intercap Lending (NMLS 190465). Source: https://www.intercaplending.com/loan-officer/janeth-pannen/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1502086

## Contact

- linkedin_url: https://www.linkedin.com/in/janeth-pannen/ (source: lender_site, verified 2026-10-09)
- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/janeth-pannen/
- Email on file: shown at https://lendb.ai/lo/janeth-pannen-1502086#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1502086
- lender_site: https://www.intercaplending.com/loan-officer/janeth-pannen/

Cite as: Janeth Pannen (NMLS 1502086), Intercap Lending. LenDb.ai, https://lendb.ai/lo/janeth-pannen-1502086, last verified 2026-10-09.

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