--- canonical_url: https://lendb.ai/lo/matthew-howdyshell-368036 json_url: https://lendb.ai/lo/matthew-howdyshell-368036.json nmls_id: 368036 last_verified: 2026-10-30 --- # Matthew Howdyshell Loan officer at West Capital Lending, Inc., Troy, MI. NMLS ID 368036 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/368036)). Matthew Howdyshell, NMLS 368036, works as a mortgage loan officer at West Capital Lending, Inc. in Troy, Michigan and is licensed in Colorado since 2011 and in Florida, Texas, California and 10 more states. **Summary:** Matthew Howdyshell (NMLS 368036) is a loan officer at West Capital Lending, Inc., based in Troy, MI. Licensed in 14 states confirmed with state regulators: Florida, Texas, California, Connecticut, Delaware, Colorado, Pennsylvania, Missouri and 6 more. Earliest state license record: October 31, 2011 (Colorado), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Matthew licensed in Florida? Yes. Florida regulator records list license LO110646 as active, first effective July 14, 2022 (verified 2026-10-15). LenDb has 13 other states on file for Matthew. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Matthew work for? West Capital Lending, Inc., company NMLS 1566096, from the Troy, MI office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Matthew been licensed? The earliest state license record LenDb holds for Matthew is from October 31, 2011 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140878&contact=129268. ## At a glance - Earliest state license record: October 31, 2011 (Colorado), 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): Matthew J. Howdyshell (AR, CA, CO, CT, DE, FL, IA, MD, MO, NY, OR, PA, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Missouri (MO, 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 | LO110646 | active | confirmed | 2022-07-14 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2022-06-12 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | inactive | confirmed | | state_regulator | 2026-10-14 | | CA | California Department of Real Estate | state_license | 02431121 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-368036 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | CO | Colorado regulator | state_license | 100037298 | active | confirmed | 2011-10-31 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 100184 | active | confirmed | | state_regulator | 2026-10-16 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 53480 | active | confirmed | 2025-01-14 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-02-27 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 368036 | active | confirmed | 2025-01-22 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 108093 | active | confirmed | 2025-01-28 | state_regulator | 2026-10-27 | ## Employment history - ? to present: West Capital Lending, Inc. (NMLS 1566096), Troy, MI. 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/368036 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/368036 - 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://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140878&contact=129268 - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - 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: Matthew Howdyshell (NMLS 368036), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/matthew-howdyshell-368036, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._