--- canonical_url: https://lendb.ai/lo/edward-espinoza-1784977 json_url: https://lendb.ai/lo/edward-espinoza-1784977.json nmls_id: 1784977 last_verified: 2026-10-30 --- # Edward Espinoza Loan officer at West Capital Lending, Inc.. NMLS ID 1784977 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1784977)). Edward Espinoza (NMLS 1784977) is a mortgage loan officer at West Capital Lending, Inc., licensed in Colorado since 2022 and in Florida, California, Connecticut and 7 more states. **Summary:** Edward Espinoza (NMLS 1784977) is a loan officer at West Capital Lending, Inc.. Licensed in 11 states confirmed with state regulators: Florida, California, Connecticut, Delaware, Colorado, Pennsylvania, Arkansas, Oregon and 3 more. Earliest state license record: November 9, 2022 (Colorado), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Edward licensed in Florida? Yes. Florida regulator records list license LO131816 as active, first effective September 13, 2024 (verified 2026-10-15). LenDb has 10 other states on file for Edward. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Edward work for? West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-15). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html. ### How long has Edward been licensed? The earliest state license record LenDb holds for Edward is from November 9, 2022 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=306819&contact=533563. ## At a glance - Earliest state license record: November 9, 2022 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Arkansas (AR, 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 | LO131816 | active | confirmed | 2024-09-13 | state_regulator | 2026-10-15 | | CA | California Department of Real Estate | state_license | 02238777 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-1784977 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | CO | Colorado regulator | state_license | 100535242 | active | confirmed | 2022-11-09 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 116215 | active | confirmed | | state_regulator | 2026-10-16 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-01-02 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1784977 | active | confirmed | 2025-07-03 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 107978 | active | confirmed | 2024-12-24 | state_regulator | 2026-10-27 | ## Employment history - ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1784977 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1784977 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html - 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://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=306819&contact=533563 - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://securities.arkansas.gov/loans/nmls/ - 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: Edward Espinoza (NMLS 1784977), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/edward-espinoza-1784977, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._