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

# Loan officers for ITIN borrowers in Arizona

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Arizona whose lender pages show ITIN borrower work. The top-ranked are Edrise Bayo (CrossCountry Mortgage, Scottsdale), Janeth Pannen (Intercap Lending) and Matthew Hergert (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Edrise Bayo](https://lendb.ai/lo/edrise-bayo-2718591)** (NMLS 2718591), CrossCountry Mortgage, Scottsdale, AZ
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Scottsdale, AZ
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
2. **[Janeth Pannen](https://lendb.ai/lo/janeth-pannen-1502086)** (NMLS 1502086), Intercap Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
3. **[Matthew Hergert](https://lendb.ai/lo/matthew-hergert-234563)** (NMLS 234563), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/arizona.

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