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

# Loan officers for ITIN borrowers in Illinois

As of 2026-10-09, LenDb lists 4 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), Jonathan Salinas (CrossCountry Mortgage, Memphis) and Janeth Pannen (Intercap Lending). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Pauline Garcia](https://lendb.ai/lo/pauline-garcia-219961)** (NMLS 219961), LeaderOne Financial, Oak Brook, IL
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Oak Brook, IL
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
2. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
3. **[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)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Gregory Michael West](https://lendb.ai/lo/gregory-michael-west-1447959)** (NMLS 1447959), Loan Factory
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)

## 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/illinois.

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