---
canonical_url: https://lendb.ai/lo/derek-kinney-1186577
json_url: https://lendb.ai/lo/derek-kinney-1186577.json
nmls_id: 1186577
last_verified: 2026-10-27
---

# Derek Kinney

Loan officer at West Capital Lending, Inc., Troy, MI. NMLS ID 1186577 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1186577)).

Based in Troy, Michigan, Derek Kinney (NMLS 1186577) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida since 2014 and in Texas, Connecticut, Missouri and 5 more states.

**Summary:** Derek Kinney (NMLS 1186577) is a loan officer at West Capital Lending, Inc., based in Troy, MI. Licensed in 9 states confirmed with state regulators: Florida, Texas, Connecticut, Missouri, Arkansas, Iowa, Wisconsin, Maryland and 1 more. Earliest state license record: July 25, 2014 (Florida), per state regulator. Last verified 2026-10-27.

## Quick answers

### Is Derek licensed in Florida?

Yes. Florida regulator records list license LO25947 as active, first effective July 25, 2014 (verified 2026-10-15). LenDb has 8 other states on file for Derek. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Derek 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 Derek been licensed?

The earliest state license record LenDb holds for Derek is from July 25, 2014 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: July 25, 2014 (Florida), 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): Derek B. Kinney (AR, CT, FL, IA, MD, MO, TX, WY, as of 2026-10-27)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, 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 | LO25947 | active | confirmed | 2014-07-25 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2024-05-28 | state_regulator | 2026-10-13 |
| CT | Connecticut regulator | state_license | LO-1186577 | active | confirmed |  | state_regulator | 2026-10-15 |
| 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 | 56568 | active | confirmed | 2026-02-19 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1186577 | active | confirmed | 2026-09-16 | state_regulator | 2026-10-21 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 110828 | active | confirmed | 2026-09-17 | 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/1186577

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1186577
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_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://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://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://wyomingbankingdivision.wyo.gov/

Cite as: Derek Kinney (NMLS 1186577), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/derek-kinney-1186577, last verified 2026-10-27.

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