---
canonical_url: https://lendb.ai/lo/joseph-garcia-1037446
json_url: https://lendb.ai/lo/joseph-garcia-1037446.json
nmls_id: 1037446
last_verified: 2026-10-30
---

# Joseph Garcia

Loan officer at West Capital Lending, Inc., Scottsdale, AZ. NMLS ID 1037446 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1037446)).

Based in Scottsdale, Arizona, Joseph Garcia (NMLS 1037446) is a mortgage loan officer at West Capital Lending, Inc., licensed in Oregon since 2013 and in Florida, Texas, California and 6 more states.

**Summary:** Joseph Garcia (NMLS 1037446) is a loan officer at West Capital Lending, Inc., based in Scottsdale, AZ. Licensed in 10 states confirmed with state regulators: Florida, Texas, California, Missouri, Iowa, Oregon, Wisconsin, Maryland and 2 more. Earliest state license record: April 5, 2013 (Oregon), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is Joseph licensed in Florida?

Yes. Florida regulator records list license LO22424 as active, first effective December 2, 2013 (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, from the Scottsdale, AZ office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Joseph been licensed?

The earliest state license record LenDb holds for Joseph is from April 5, 2013 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: April 5, 2013 (Oregon), 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 D. Garcia (CA, DE, FL, IA, MD, MO, NY, OR, TX, WY, as of 2026-10-30)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Missouri (MO, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Delaware (DE, 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 | LO22424 | active | confirmed | 2013-12-02 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2013-10-22 | 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 | 02442731 | active | confirmed |  | state_regulator | 2026-10-24 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| IA | Iowa regulator | state_license | 22101 | active | confirmed | 2013-09-24 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | 1474558 | active | confirmed | 2013-04-05 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1037446 | active | confirmed | 2014-04-21 | state_regulator | 2026-10-21 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 4465 | active | confirmed | 2016-03-15 | state_regulator | 2026-10-27 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096), Scottsdale, AZ. 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/1037446

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1037446
- 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://finance.mo.gov/banks-0/bank-licensee-search
- 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/
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/

Cite as: Joseph Garcia (NMLS 1037446), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/joseph-garcia-1037446, last verified 2026-10-30.

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