---
canonical_url: https://lendb.ai/lo/phil-gustin-1629148
json_url: https://lendb.ai/lo/phil-gustin-1629148.json
nmls_id: 1629148
last_verified: 2026-10-26
---

# Phil Gustin

Loan officer at West Capital Lending, Inc.. NMLS ID 1629148 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1629148)).

Phil Gustin (NMLS 1629148) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida since 2018 and in Texas, California, Missouri and 2 more states.

**Summary:** Phil Gustin (NMLS 1629148) is a loan officer at West Capital Lending, Inc.. Licensed in 6 states confirmed with state regulators: Florida, Texas, California, Missouri, Oregon and Maryland. Earliest state license record: May 24, 2018 (Florida), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Phil licensed in Florida?

Yes. Florida regulator records list license LO53695 as active, first effective May 24, 2018 (verified 2026-10-15). LenDb has 5 other states on file for Phil. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Phil 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 Phil been licensed?

The earliest state license record LenDb holds for Phil is from May 24, 2018 (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: May 24, 2018 (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): Philip J. Gustin (CA, MD, MO, OR, TX, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Missouri (MO, confirmed), Oregon (OR, 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 | LO53695 | active | confirmed | 2018-05-24 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2021-01-12 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 02036208 | active | confirmed |  | state_regulator | 2026-10-24 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| OR | Oregon regulator | state_license | 1629148 | active | confirmed | 2022-04-26 | 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://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/1629148

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1629148
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.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://dfr.oregon.gov/
- state_regulator: https://www.labor.maryland.gov/finance/

Cite as: Phil Gustin (NMLS 1629148), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/phil-gustin-1629148, last verified 2026-10-26.

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