---
canonical_url: https://lendb.ai/lo/ricardo-pacheco-1853838
json_url: https://lendb.ai/lo/ricardo-pacheco-1853838.json
nmls_id: 1853838
last_verified: 2026-10-20
---

# Ricardo Pacheco

Loan officer at West Capital Lending, Inc.. NMLS ID 1853838 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1853838)).

Ricardo Pacheco (NMLS 1853838) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida, Arkansas and Oregon.

**Summary:** Ricardo Pacheco (NMLS 1853838) is a loan officer at West Capital Lending, Inc.. Licensed in 3 states confirmed with state regulators: Florida, Arkansas and Oregon. Earliest state license record: December 29, 2025 (Iowa), per state regulator. Last verified 2026-10-20.

## Quick answers

### Is Ricardo licensed in Florida?

Yes. Florida regulator records list license LO144444 as active, first effective January 26, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Ricardo. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Ricardo work for?

West Capital Lending, Inc., company NMLS 1566096, per the lender's own site (verified 2026-10-20). Source: https://securities.arkansas.gov/loans/nmls/.

### How long has Ricardo been licensed?

The earliest state license record LenDb holds for Ricardo is from December 29, 2025 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: December 29, 2025 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Arkansas (AR, confirmed), Oregon (OR, 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 | LO144444 | active | confirmed | 2026-01-26 | state_regulator | 2026-10-15 |
| CT | Connecticut regulator | state_license | LO-1853838 | inactive | confirmed |  | state_regulator | 2026-10-15 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 56029 | inactive | confirmed | 2025-12-29 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-01-06 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1853838 | inactive | confirmed | 2025-12-30 | state_regulator | 2026-10-21 |
| WY | Wyoming regulator | state_license | 109572 | inactive | confirmed | 2026-01-05 | state_regulator | 2026-10-27 |

## Employment history

- ? to present: West Capital Lending, Inc. (NMLS 1566096). Source: https://securities.arkansas.gov/loans/nmls/, 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/1853838

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1853838
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- 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://wyomingbankingdivision.wyo.gov/

Cite as: Ricardo Pacheco (NMLS 1853838), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/ricardo-pacheco-1853838, last verified 2026-10-20.

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