---
canonical_url: https://lendb.ai/lo/francisco-munoz-2228785
json_url: https://lendb.ai/lo/francisco-munoz-2228785.json
nmls_id: 2228785
last_verified: 2026-10-27
---

# Francisco Munoz

Loan officer at West Capital Lending, Inc.. NMLS ID 2228785 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2228785)).

Francisco Munoz (NMLS 2228785) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida since 2025 and in Texas, California, Connecticut and 6 more states.

**Summary:** Francisco Munoz (NMLS 2228785) is a loan officer at West Capital Lending, Inc.. Licensed in 10 states confirmed with state regulators: Florida, Texas, California, Connecticut, Missouri, Arkansas, Iowa, Oregon and 2 more. Earliest state license record: February 25, 2025 (Florida), per state regulator. Last verified 2026-10-27.

## Quick answers

### Is Francisco licensed in Florida?

Yes. Florida regulator records list license LO135717 as active, first effective February 25, 2025 (verified 2026-10-15). LenDb has 9 other states on file for Francisco. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Francisco 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 Francisco been licensed?

The earliest state license record LenDb holds for Francisco is from February 25, 2025 (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: February 25, 2025 (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): Francisco T. Munoz (AR, CA, CT, FL, IA, MO, OR, TX, WY, as of 2026-10-27)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, 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 | LO135717 | active | confirmed | 2025-02-25 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-02-28 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 02331563 | active | confirmed |  | state_regulator | 2026-10-24 |
| CT | Connecticut regulator | state_license | LO-2228785 | 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 | 53877 | active | confirmed | 2025-02-25 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-03-04 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 2228785 | active | confirmed | 2025-03-10 | state_regulator | 2026-10-21 |
| WY | Wyoming regulator | state_license | 108365 | active | confirmed | 2025-03-13 | 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/2228785

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2228785
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.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://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://wyomingbankingdivision.wyo.gov/

Cite as: Francisco Munoz (NMLS 2228785), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/francisco-munoz-2228785, last verified 2026-10-27.

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