--- canonical_url: https://lendb.ai/lo/aya-charaf-eddine-2671535 json_url: https://lendb.ai/lo/aya-charaf-eddine-2671535.json nmls_id: 2671535 last_verified: 2026-10-30 --- # Aya Charaf-Eddine Loan officer at West Capital Lending, Inc., Troy, MI. NMLS ID 2671535 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2671535)). Aya Charaf-Eddine (NMLS 2671535) is a mortgage loan officer at West Capital Lending, Inc. in Troy, Michigan, licensed in Texas since 2025 and in Florida, Connecticut, Delaware and 7 more states. **Summary:** Aya Charaf-Eddine (NMLS 2671535) is a loan officer at West Capital Lending, Inc., based in Troy, MI. Licensed in 11 states confirmed with state regulators: Florida, Texas, Connecticut, Delaware, Missouri, Arkansas, Iowa, Oregon and 3 more. Earliest state license record: July 11, 2025 (Texas), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Aya licensed in Florida? Yes. Florida regulator records list license LO147324 as active, first effective April 29, 2026 (verified 2026-10-15). LenDb has 10 other states on file for Aya. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Aya work for? West Capital Lending, Inc., company NMLS 1566096, from the Troy, MI office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Aya been licensed? The earliest state license record LenDb holds for Aya is from July 11, 2025 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: July 11, 2025 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Aya Z. Charaf-Eddine (AR, CT, DE, FL, IA, MD, MO, OR, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Maryland (MD, confirmed), Wyoming (WY, 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 | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO147324 | active | confirmed | 2026-04-29 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2025-07-11 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-2671535 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 57004 | active | confirmed | 2026-04-07 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-04-17 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2671535 | active | confirmed | 2026-04-08 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 110149 | active | confirmed | 2026-04-17 | state_regulator | 2026-10-27 | ## Employment history - ? to present: West Capital Lending, Inc. (NMLS 1566096), Troy, MI. 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/2671535 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2671535 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ Cite as: Aya Charaf-Eddine (NMLS 2671535), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/aya-charaf-eddine-2671535, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._