---
canonical_url: https://lendb.ai/lo/kamal-osmanzada-2603659
json_url: https://lendb.ai/lo/kamal-osmanzada-2603659.json
nmls_id: 2603659
last_verified: 2026-10-27
---

# Kamal Osmanzada

Loan officer at Lumin Lending Inc.. NMLS ID 2603659 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2603659)).

Kamal Osmanzada (NMLS 2603659) is a mortgage loan officer at Lumin Lending Inc., licensed in Oregon and Wyoming.

**Summary:** Kamal Osmanzada (NMLS 2603659) is a loan officer at Lumin Lending Inc.. Licensed in 2 states confirmed with state regulators: Oregon and Wyoming. Earliest state license record: August 6, 2024 (California), per state regulator. Last verified 2026-10-27.

## Quick answers

### Is Kamal licensed in Oregon?

Yes. Oregon regulator records list a license as active, first effective February 24, 2025 (verified 2026-10-20). LenDb has 1 other state on file for Kamal. Source: https://dfr.oregon.gov/.

### What lender does Kamal work for?

Lumin Lending Inc., company NMLS 2716106, per the lender's own site (verified 2026-10-27). Source: https://wyomingbankingdivision.wyo.gov/.

### How long has Kamal been licensed?

The earliest state license record LenDb holds for Kamal is from August 6, 2024 (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: August 6, 2024 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Oregon (OR, 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 |
|---|---|---|---|---|---|---|---|---|
| AR | Arkansas regulator | state_license | n/a | inactive | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 54886 | inactive | confirmed | 2025-07-21 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-02-24 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 2603659 | inactive | confirmed | 2025-07-24 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2603659 | inactive | confirmed | 2024-08-06 | state_regulator | 2026-10-24 |
| WY | Wyoming regulator | state_license | 108945 | active | confirmed | 2025-07-31 | state_regulator | 2026-10-27 |

## Employment history

- ? to present: Lumin Lending Inc. (NMLS 2716106). Source: https://wyomingbankingdivision.wyo.gov/, verified 2026-10-27.
- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://dfr.oregon.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2603659

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2603659
- 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://dfpi.ca.gov/
- state_regulator: https://wyomingbankingdivision.wyo.gov/

Cite as: Kamal Osmanzada (NMLS 2603659), Lumin Lending Inc.. LenDb.ai, https://lendb.ai/lo/kamal-osmanzada-2603659, last verified 2026-10-27.

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