---
canonical_url: https://lendb.ai/lo/andrew-cho-1885650
json_url: https://lendb.ai/lo/andrew-cho-1885650.json
nmls_id: 1885650
last_verified: 2026-10-30
---

# Andrew Cho

Loan officer at West Capital Lending, Inc.. NMLS ID 1885650 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885650)).

Andrew Cho (NMLS 1885650) is a mortgage loan officer at West Capital Lending, Inc., licensed in Oregon since 2025 and in Texas, Delaware and Wisconsin.

**Summary:** Andrew Cho (NMLS 1885650) is a loan officer at West Capital Lending, Inc.. Licensed in 4 states confirmed with state regulators: Texas, Delaware, Oregon and Wisconsin. Earliest state license record: November 18, 2025 (Oregon), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is Andrew licensed in Texas?

Yes. Texas regulator records list a license as active, first effective January 5, 2026 (verified 2026-10-13). LenDb has 3 other states on file for Andrew. Source: https://www.sml.texas.gov/.

### What lender does Andrew work for?

West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Andrew been licensed?

The earliest state license record LenDb holds for Andrew is from November 18, 2025 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: November 18, 2025 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, confirmed), Delaware (DE, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed)
- 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: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| TX | Texas regulator | state_license | n/a | active | confirmed | 2026-01-05 | state_regulator | 2026-10-13 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-11-18 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1885650 | active | confirmed | 2025-11-18 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885650

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885650
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/

Cite as: Andrew Cho (NMLS 1885650), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/andrew-cho-1885650, last verified 2026-10-30.

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