{
  "canonical_url": "https://lendb.ai/s/itin/illinois",
  "summary": "As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Illinois whose lender pages show ITIN borrower work. The top-ranked are Pauline Garcia (LeaderOne Financial, Oak Brook), Gregory Michael West (Loan Factory) and Jonathan Edwards (Guild Mortgage, Greenwood Village). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "itin",
  "state": "IL",
  "total": 11,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53,
      "loan_officer": {
        "nmls_id": 219961,
        "slug": "pauline-garcia-219961",
        "full_name": "Pauline Garcia",
        "canonical_url": "https://lendb.ai/lo/pauline-garcia-219961",
        "json_url": "https://lendb.ai/lo/pauline-garcia-219961.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "WI"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/pauline-garcia"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/pauline-garcia-219961"
    },
    {
      "rank": 2,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 1447959,
        "slug": "gregory-michael-west-1447959",
        "full_name": "Gregory Michael West",
        "canonical_url": "https://lendb.ai/lo/gregory-michael-west-1447959",
        "json_url": "https://lendb.ai/lo/gregory-michael-west-1447959.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "CA",
          "FL",
          "GA",
          "IL",
          "MD",
          "NC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/gregory-michael-west-1447959"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-michael-west-1447959"
    },
    {
      "rank": 3,
      "score": 49,
      "loan_officer": {
        "nmls_id": 671258,
        "slug": "jonathan-edwards-671258",
        "full_name": "Jonathan Edwards",
        "canonical_url": "https://lendb.ai/lo/jonathan-edwards-671258",
        "json_url": "https://lendb.ai/lo/jonathan-edwards-671258.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CO",
          "IL",
          "IN",
          "KS",
          "MO",
          "TN",
          "WI",
          "WY"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/jonathan-edwards-62-chjed.html"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-edwards-671258"
    },
    {
      "rank": 4,
      "score": 47.5,
      "loan_officer": {
        "nmls_id": 2451140,
        "slug": "jonathan-salinas-2451140",
        "full_name": "Jonathan Salinas",
        "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140",
        "json_url": "https://lendb.ai/lo/jonathan-salinas-2451140.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Memphis",
          "state": "TN"
        },
        "licensed_states": [
          "AR",
          "CO",
          "IL",
          "MI",
          "MS",
          "TN"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140"
    },
    {
      "rank": 5,
      "score": 46,
      "loan_officer": {
        "nmls_id": 2461052,
        "slug": "brenda-carachure-2461052",
        "full_name": "Brenda Carachure",
        "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052",
        "json_url": "https://lendb.ai/lo/brenda-carachure-2461052.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Weldon Spring",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/weldonspring/brenda-carachure-158-cnbca.html"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052"
    },
    {
      "rank": 6,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 543306,
        "slug": "christy-white-543306",
        "full_name": "Christy White",
        "canonical_url": "https://lendb.ai/lo/christy-white-543306",
        "json_url": "https://lendb.ai/lo/christy-white-543306.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Indianapolis",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/in/indianapolis/christy-white-665-chchw.html"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christy-white-543306"
    },
    {
      "rank": 7,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1502086,
        "slug": "janeth-pannen-1502086",
        "full_name": "Janeth Pannen",
        "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086",
        "json_url": "https://lendb.ai/lo/janeth-pannen-1502086.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "IL",
          "OR",
          "WA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/janeth-pannen/"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086"
    },
    {
      "rank": 8,
      "score": 45,
      "loan_officer": {
        "nmls_id": 2749585,
        "slug": "edwin-y-matos-2749585",
        "full_name": "Edwin Y Matos",
        "canonical_url": "https://lendb.ai/lo/edwin-y-matos-2749585",
        "json_url": "https://lendb.ai/lo/edwin-y-matos-2749585.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/edwin-y-matos-2749585"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/edwin-y-matos-2749585"
    },
    {
      "rank": 9,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 2680486,
        "slug": "adnan-imtiaz-2680486",
        "full_name": "Adnan Imtiaz",
        "canonical_url": "https://lendb.ai/lo/adnan-imtiaz-2680486",
        "json_url": "https://lendb.ai/lo/adnan-imtiaz-2680486.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "IL"
        },
        "licensed_states": [
          "IL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/adnan-imtiaz-2680486"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/adnan-imtiaz-2680486"
    },
    {
      "rank": 10,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1920906,
        "slug": "andrew-zavage-1920906",
        "full_name": "Andrew Zavage",
        "canonical_url": "https://lendb.ai/lo/andrew-zavage-1920906",
        "json_url": "https://lendb.ai/lo/andrew-zavage-1920906.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "IL",
          "NV",
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/andrew-zavage"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-zavage-1920906"
    },
    {
      "rank": 11,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 231417,
        "slug": "ram-mishra-231417",
        "full_name": "Ram Mishra",
        "canonical_url": "https://lendb.ai/lo/ram-mishra-231417",
        "json_url": "https://lendb.ai/lo/ram-mishra-231417.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA",
          "FL",
          "IL",
          "MI",
          "MN",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "recent-credit-event",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ram-mishra-231417"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ram-mishra-231417"
    }
  ]
}