---
canonical_url: https://lendb.ai/lo/hardeep-rai-648536
json_url: https://lendb.ai/lo/hardeep-rai-648536.json
nmls_id: 648536
last_verified: 2026-10-30
---

# Hardeep Rai

Loan officer at West Capital Lending, Inc.. NMLS ID 648536 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/648536)).

Hardeep Rai (NMLS 648536) is a mortgage loan officer at West Capital Lending, Inc., licensed in California since 2024 and in Connecticut, Delaware, Pennsylvania and 3 more states.

**Summary:** Hardeep Rai (NMLS 648536) is a loan officer at West Capital Lending, Inc.. Licensed in 7 states confirmed with state regulators: California, Connecticut, Delaware, Pennsylvania, Missouri, Arkansas and Wyoming. Earliest state license record: April 19, 2024 (California), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is Hardeep licensed in California?

Yes. California regulator records list license 01914431 as active (verified 2026-10-24). LenDb has 6 other states on file for Hardeep. Source: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html.

### What lender does Hardeep 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 Hardeep been licensed?

The earliest state license record LenDb holds for Hardeep is from April 19, 2024 (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: April 19, 2024 (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): Hardeep S. Rai (AR, CA, CT, DE, MO, WY, as of 2026-10-30)
- Licensed in: California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Pennsylvania (PA, confirmed), Missouri (MO, confirmed), Arkansas (AR, 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 |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Real Estate | state_license | 01914431 | active | confirmed |  | state_regulator | 2026-10-24 |
| CT | Connecticut regulator | state_license | LO-648536 | active | confirmed |  | state_regulator | 2026-10-15 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| PA | Pennsylvania regulator | state_license | 121435 | active | confirmed |  | state_regulator | 2026-10-16 |
| 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 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI648536 | inactive | confirmed | 2024-04-19 | state_regulator | 2026-10-24 |
| WY | Wyoming regulator | state_license | 110262 | active | confirmed | 2026-05-11 | 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/648536

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/648536
- 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://data.pa.gov/d/tyxc-jyug
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://wyomingbankingdivision.wyo.gov/

Cite as: Hardeep Rai (NMLS 648536), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/hardeep-rai-648536, last verified 2026-10-30.

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