---
canonical_url: https://lendb.ai/lo/matthew-smith-34764
json_url: https://lendb.ai/lo/matthew-smith-34764.json
nmls_id: 34764
last_verified: 2026-10-27
---

# Matthew Smith

Loan officer at West Capital Lending, Inc., Troy, MI. NMLS ID 34764 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/34764)).

Based in Troy, Michigan, Matthew Smith (NMLS 34764) is a mortgage loan officer at West Capital Lending, Inc., licensed in Texas since 2010 and in Florida, California, Missouri and 6 more states.

**Summary:** Matthew Smith (NMLS 34764) is a loan officer at West Capital Lending, Inc., based in Troy, MI. Licensed in 10 states confirmed with state regulators: Florida, Texas, California, Missouri, Arkansas, Iowa, Oregon, Wisconsin and 2 more. Earliest state license record: June 15, 2010 (Texas), per state regulator. Last verified 2026-10-27.

## Quick answers

### Is Matthew licensed in Florida?

Yes. Florida regulator records list license LO4552 as active, first effective March 24, 2011 (verified 2026-10-15). LenDb has 9 other states on file for Matthew. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_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 June 15, 2010 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: June 15, 2010 (Texas), 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 T. Smith (AR, CA, FL, IA, MD, MO, NY, OR, TX, WY, as of 2026-10-27)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, 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 | LO4552 | active | confirmed | 2011-03-24 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2010-06-15 | 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 | 02252835 | active | confirmed |  | state_regulator | 2026-10-24 |
| 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 | 54966 | active | confirmed | 2025-08-04 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | 34764 | active | confirmed | 2019-12-11 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 34764 | active | confirmed | 2019-11-05 | state_regulator | 2026-10-21 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 2664 | active | confirmed | 2014-06-12 | 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/34764

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/34764
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_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://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 Smith (NMLS 34764), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/matthew-smith-34764, last verified 2026-10-27.

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