---
canonical_url: https://lendb.ai/lo/justin-civitano-2061840
json_url: https://lendb.ai/lo/justin-civitano-2061840.json
nmls_id: 2061840
last_verified: 2026-10-26
---

# Justin Civitano

Loan officer at West Capital Lending, Inc.. NMLS ID 2061840 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2061840)).

Justin Civitano (NMLS 2061840) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida since 2021 and in California, Arkansas and Maryland.

**Summary:** Justin Civitano (NMLS 2061840) is a loan officer at West Capital Lending, Inc.. Licensed in 4 states confirmed with state regulators: Florida, California, Arkansas and Maryland. Earliest state license record: January 7, 2021 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Justin licensed in Florida?

Yes. Florida regulator records list license LO79906 as active, first effective January 7, 2021 (verified 2026-10-15). LenDb has 3 other states on file for Justin. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Justin work for?

West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-20). Source: https://securities.arkansas.gov/loans/nmls/.

### How long has Justin been licensed?

The earliest state license record LenDb holds for Justin is from January 7, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: January 7, 2021 (Florida), 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): Justin R. Civitano (AR, CA, FL, IA, MD, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), California (CA DRE, confirmed), Arkansas (AR, confirmed), Maryland (MD, 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 | LO79906 | active | confirmed | 2021-01-07 | state_regulator | 2026-10-15 |
| CA | California Department of Real Estate | state_license | 02226471 | active | confirmed |  | state_regulator | 2026-10-24 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 57254 | inactive | confirmed | 2026-05-06 | state_regulator | 2026-10-20 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://securities.arkansas.gov/loans/nmls/, verified 2026-10-20.
- ? to present: Lumin Lending Inc. (NMLS 2716106). 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/2061840

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2061840
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://www.labor.maryland.gov/finance/

Cite as: Justin Civitano (NMLS 2061840), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/justin-civitano-2061840, last verified 2026-10-26.

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