---
canonical_url: https://lendb.ai/lo/jeffrey-cha-2217166
json_url: https://lendb.ai/lo/jeffrey-cha-2217166.json
nmls_id: 2217166
last_verified: 2026-10-24
---

# Jeffrey Cha

Loan officer at West Capital Lending, Inc.. NMLS ID 2217166 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2217166)).

Jeffrey Cha (NMLS 2217166) is a mortgage loan officer at West Capital Lending, Inc., licensed in California since 2021 and in Florida, Texas, Iowa and Oregon.

**Summary:** Jeffrey Cha (NMLS 2217166) is a loan officer at West Capital Lending, Inc.. Licensed in 5 states confirmed with state regulators: Florida, Texas, California, Iowa and Oregon. Earliest state license record: October 9, 2021 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Jeffrey licensed in Florida?

Yes. Florida regulator records list license LO96382 as active, first effective October 20, 2021 (verified 2026-10-15). LenDb has 4 other states on file for Jeffrey. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Jeffrey 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 Jeffrey been licensed?

The earliest state license record LenDb holds for Jeffrey is from October 9, 2021 (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: October 9, 2021 (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): Jeffrey S. Cha (CA, FL, IA, NY, OR, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Iowa (IA, confirmed), Oregon (OR, 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 | LO96382 | active | confirmed | 2021-10-20 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2022-05-24 | 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 | 02442819 | active | confirmed |  | state_regulator | 2026-10-24 |
| IA | Iowa regulator | state_license | 56011 | active | confirmed | 2025-12-23 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-10-29 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2217166 | inactive | confirmed | 2021-10-09 | state_regulator | 2026-10-24 |

## 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/2217166

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2217166
- 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://idob.iowa.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/

Cite as: Jeffrey Cha (NMLS 2217166), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/jeffrey-cha-2217166, last verified 2026-10-24.

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