---
canonical_url: https://lendb.ai/lo/joseph-chaoui-1681666
json_url: https://lendb.ai/lo/joseph-chaoui-1681666.json
nmls_id: 1681666
last_verified: 2026-10-30
---

# Joseph Chaoui

Loan officer at West Capital Lending, Inc.. NMLS ID 1681666 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1681666)).

Joseph Chaoui (NMLS 1681666) is a mortgage loan officer at West Capital Lending, Inc., licensed in Iowa since 2023 and in Florida, California, Delaware and 6 more states.

**Summary:** Joseph Chaoui (NMLS 1681666) is a loan officer at West Capital Lending, Inc.. Licensed in 10 states confirmed with state regulators: Florida, California, Delaware, Colorado, Arkansas, Iowa, Oregon, Wisconsin and 2 more. Earliest state license record: October 9, 2023 (Iowa), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is Joseph licensed in Florida?

Yes. Florida regulator records list license LO125063 as active, first effective January 3, 2024 (verified 2026-10-15). LenDb has 9 other states on file for Joseph. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Joseph 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 Joseph been licensed?

The earliest state license record LenDb holds for Joseph is from October 9, 2023 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: October 9, 2023 (Iowa), 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): Joseph N. Chaoui (AR, CA, CO, DE, FL, IA, MD, NY, OR, WY, as of 2026-10-30)
- Licensed in: Florida (FL, confirmed), California (CA DRE, confirmed), Delaware (DE, confirmed), Colorado (CO, 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 | LO125063 | active | confirmed | 2024-01-03 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| CA | California Department of Real Estate | state_license | 02123400 | active | confirmed |  | state_regulator | 2026-10-24 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| CO | Colorado regulator | state_license | 100538106 | active | confirmed | 2024-01-24 | state_regulator | 2026-10-16 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 50921 | active | confirmed | 2023-10-09 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | 1681666 | active | confirmed | 2024-03-21 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1681666 | active | confirmed | 2025-08-26 | state_regulator | 2026-10-21 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 106990 | active | confirmed | 2024-03-14 | 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/1681666

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1681666
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=322360&contact=553374
- 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: Joseph Chaoui (NMLS 1681666), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/joseph-chaoui-1681666, last verified 2026-10-30.

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