--- canonical_url: https://lendb.ai/lo/james-degaine-1469635 json_url: https://lendb.ai/lo/james-degaine-1469635.json nmls_id: 1469635 last_verified: 2026-10-30 --- # James Degaine Loan officer at West Capital Lending, Inc.. NMLS ID 1469635 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1469635)). James Degaine (NMLS 1469635) is a mortgage loan officer at West Capital Lending, Inc., licensed in Wisconsin since 2026 and in Florida, Texas, California and 10 more states. **Summary:** James Degaine (NMLS 1469635) is a loan officer at West Capital Lending, Inc.. Licensed in 14 states confirmed with state regulators: Florida, Texas, California, Connecticut, Delaware, Colorado, Pennsylvania, Missouri and 6 more. Earliest state license record: May 19, 2026 (Wisconsin), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is James licensed in Florida? Yes. Florida regulator records list license LO147972 as active, first effective May 21, 2026 (verified 2026-10-15). LenDb has 13 other states on file for James. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does James 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 James been licensed? The earliest state license record LenDb holds for James is from May 19, 2026 (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: May 19, 2026 (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): James W. DeGaine (AR, CO, CT, DE, IA, MD, MO, OR, PA, TX, WY, as of 2026-10-30); James W. Degaine (CA, FL, as of 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, 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 | LO147972 | active | confirmed | 2026-05-21 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-05-28 | state_regulator | 2026-10-13 | | CA | California Department of Real Estate | state_license | 02407505 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-1469635 | 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 | 100545594 | active | confirmed | 2026-05-26 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 121411 | 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 | | IA | Iowa regulator | state_license | 57386 | active | confirmed | 2026-05-28 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-05-28 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1469635 | active | confirmed | 2026-05-19 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 110313 | active | confirmed | 2026-05-19 | 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/1469635 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1469635 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_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://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=191336&contact=408032 - 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://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: James Degaine (NMLS 1469635), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/james-degaine-1469635, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._