---
canonical_url: https://lendb.ai/lo/michael-luce-854012
json_url: https://lendb.ai/lo/michael-luce-854012.json
nmls_id: 854012
last_verified: 2026-10-21
---

# Michael Luce

Loan officer at West Capital Lending, Inc.. NMLS ID 854012 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/854012)).

Michael Luce (NMLS 854012) is a mortgage loan officer at West Capital Lending, Inc., licensed in Wisconsin since 2024 and in Florida, Texas and Louisiana.

**Summary:** Michael Luce (NMLS 854012) is a loan officer at West Capital Lending, Inc.. Licensed in 4 states confirmed with state regulators: Florida, Texas, Louisiana and Wisconsin. Earliest state license record: August 19, 2024 (Wisconsin), per state regulator. Last verified 2026-10-21.

## Quick answers

### Is Michael licensed in Florida?

Yes. Florida regulator records list license LO131606 as active, first effective September 5, 2024 (verified 2026-10-15). LenDb has 3 other states on file for Michael. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Michael work for?

West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Michael been licensed?

The earliest state license record LenDb holds for Michael is from August 19, 2024 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: August 19, 2024 (Wisconsin), 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): Michael S. Luce (CA, FL, IA, LA, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Louisiana (LA, confirmed), Wisconsin (WI, 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 | LO131606 | active | confirmed | 2024-09-05 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2024-09-16 | state_regulator | 2026-10-13 |
| LA | Louisiana regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |
| IA | Iowa regulator | state_license | 52465 | expired | confirmed | 2024-08-22 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 854012 | active | confirmed | 2024-08-19 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI854012 | inactive | confirmed | 2024-08-30 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096). 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/854012

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/854012
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/

Cite as: Michael Luce (NMLS 854012), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/michael-luce-854012, last verified 2026-10-21.

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