--- canonical_url: https://lendb.ai/lo/esther-chang-1553943 json_url: https://lendb.ai/lo/esther-chang-1553943.json nmls_id: 1553943 last_verified: 2026-10-30 --- # Esther Chang Loan officer at West Capital Lending, Inc.. NMLS ID 1553943 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1553943)). Esther Chang (NMLS 1553943) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida, Texas, California and 9 more states. **Summary:** Esther Chang (NMLS 1553943) is a loan officer at West Capital Lending, Inc.. Licensed in 12 states confirmed with state regulators: Florida, Texas, California, Connecticut, Delaware, Colorado, Pennsylvania, Arkansas and 4 more. Earliest state license record: June 1, 2017 (Wisconsin), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Esther licensed in Florida? Yes. Florida regulator records list license LO126937 as active, first effective March 18, 2024 (verified 2026-10-15). LenDb has 11 other states on file for Esther. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Esther 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 Esther been licensed? The earliest state license record LenDb holds for Esther is from June 1, 2017 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: June 1, 2017 (Wisconsin), 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): Esther J. Chang (AR, CA, CO, CT, DE, FL, IA, MD, NY, OR, PA, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, 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 | LO126937 | active | confirmed | 2024-03-18 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2024-03-22 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | CA | California Department of Real Estate | state_license | 02251493 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-1553943 | 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 | 100538620 | active | confirmed | 2024-03-27 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 113087 | active | confirmed | | state_regulator | 2026-10-16 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 54556 | active | confirmed | 2025-06-05 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-06-10 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1553943 | expired | confirmed | 2017-06-01 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 108798 | active | confirmed | 2025-06-19 | state_regulator | 2026-10-27 | ## 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/1553943 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1553943 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - 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=326801&contact=558322 - state_regulator: https://data.pa.gov/d/tyxc-jyug - 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: Esther Chang (NMLS 1553943), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/esther-chang-1553943, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._