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

# Loan officers for ITIN borrowers in Washington

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Washington whose lender pages show ITIN borrower work. The top-ranked are Janeth Pannen (Intercap Lending) and Carmel Perez (CrossCountry Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
2. **[Carmel Perez](https://lendb.ai/lo/carmel-perez-1933170)** (NMLS 1933170), CrossCountry Mortgage, Kennewick, WA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Kennewick, WA
   - WA 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/washington.

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