---
canonical_url: https://lendb.ai/lo/benjamin-payne-304424
json_url: https://lendb.ai/lo/benjamin-payne-304424.json
nmls_id: 304424
last_verified: 2026-10-20
---

# Benjamin Payne

Loan officer at West Capital Lending, Inc.. NMLS ID 304424 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304424)).

Benjamin Payne (NMLS 304424) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida and Oregon.

**Summary:** Benjamin Payne (NMLS 304424) is a loan officer at West Capital Lending, Inc.. Licensed in 2 states confirmed with state regulators: Florida and Oregon. Earliest state license record: November 27, 2017 (California), per state regulator. Last verified 2026-10-20.

## Quick answers

### Is Benjamin licensed in Florida?

Yes. Florida regulator records list license LO58465 as active, first effective January 3, 2019 (verified 2026-10-15). LenDb has 1 other state on file for Benjamin. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Benjamin work for?

West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-20). Source: https://dfr.oregon.gov/.

### How long has Benjamin been licensed?

The earliest state license record LenDb holds for Benjamin is from November 27, 2017 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: November 27, 2017 (California), 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): Benjamin J. Payne (CA, FL, OR, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Oregon (OR, 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 | LO58465 | active | confirmed | 2019-01-03 | state_regulator | 2026-10-15 |
| OR | Oregon regulator | state_license | 304424 | active | confirmed | 2018-12-20 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 304424 | expired | confirmed | 2024-02-22 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO304424 | inactive | confirmed | 2017-11-27 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://dfr.oregon.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304424

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304424
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/

Cite as: Benjamin Payne (NMLS 304424), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/benjamin-payne-304424, last verified 2026-10-20.

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