---
canonical_url: https://lendb.ai/lo/ryan-smith-1207131
json_url: https://lendb.ai/lo/ryan-smith-1207131.json
nmls_id: 1207131
last_verified: 2026-10-31
---

# Ryan Smith

Loan officer at West Capital Lending, Inc.. NMLS ID 1207131 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1207131)).

Ryan Smith (NMLS 1207131) is a mortgage loan officer at West Capital Lending, Inc., licensed in Missouri, Arkansas, Iowa and 2 more states.

**Summary:** Ryan Smith (NMLS 1207131) is a loan officer at West Capital Lending, Inc.. Licensed in 5 states confirmed with state regulators: Missouri, Arkansas, Iowa, Wisconsin and Nevada. Earliest state license record: February 20, 2018 (California), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Ryan licensed in Missouri?

Yes. Missouri regulator records list a license as active (verified 2026-10-19). LenDb has 4 other states on file for Ryan. Source: https://finance.mo.gov/banks-0/bank-licensee-search.

### What lender does Ryan 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 Ryan been licensed?

The earliest state license record LenDb holds for Ryan is from February 20, 2018 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: February 20, 2018 (California), 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): Ryan A. Smith (AR, CA, IA, MO, NV, as of 2026-10-28)
- Licensed in: Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Wisconsin (WI, confirmed), Nevada (NV, 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 |
|---|---|---|---|---|---|---|---|---|
| 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 | 53678 | active | confirmed | 2025-02-03 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1207131 | active | confirmed | 2023-07-25 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1207131 | inactive | confirmed | 2018-02-20 | state_regulator | 2026-10-24 |
| NV | Nevada regulator | state_license | NMLO-1186295 | active | confirmed | 2019-05-21 | state_regulator | 2026-10-31 |

## 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/1207131

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1207131
- 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://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://mld.nv.gov/

Cite as: Ryan Smith (NMLS 1207131), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/ryan-smith-1207131, last verified 2026-10-31.

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