--- canonical_url: https://lendb.ai/lo/stephanie-thomas-23447 json_url: https://lendb.ai/lo/stephanie-thomas-23447.json nmls_id: 23447 last_verified: 2026-10-30 --- # Stephanie Thomas Loan officer at West Capital Lending, Inc., Troy, MI. NMLS ID 23447 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23447)). Based in Troy, Michigan, Stephanie Thomas (NMLS 23447) is a mortgage loan officer at West Capital Lending, Inc., licensed in Florida, Texas, Delaware and 5 more states. **Summary:** Stephanie Thomas (NMLS 23447) is a loan officer at West Capital Lending, Inc., based in Troy, MI. Licensed in 8 states confirmed with state regulators: Florida, Texas, Delaware, Arkansas, Iowa, Wisconsin, Massachusetts and Maryland. Earliest state license record: May 19, 2010 (California), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Stephanie licensed in Florida? Yes. Florida regulator records list license LO3957 as active, first effective March 16, 2011 (verified 2026-10-15). LenDb has 7 other states on file for Stephanie. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Stephanie 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 Stephanie been licensed? The earliest state license record LenDb holds for Stephanie is from May 19, 2010 (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: May 19, 2010 (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): Stephanie M. Thomas (AR, CA, DE, FL, IA, MA, MD, NV, NY, OR, TX, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Delaware (DE, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Wisconsin (WI, confirmed), Massachusetts (MA, 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 | LO3957 | active | confirmed | 2011-03-16 | 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 | inactive | confirmed | | state_regulator | 2026-10-14 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 19678 | active | confirmed | 2011-02-07 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | inactive | confirmed | 2010-07-31 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 23447 | active | confirmed | 2016-02-23 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DOC23447 | inactive | confirmed | 2010-05-19 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO23447 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NV | Nevada regulator | state_license | NMLO-1197785 | inactive | confirmed | 2010-07-22 | state_regulator | 2026-10-31 | ## 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/23447 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23447 - 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://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - 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://dfpi.ca.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://mld.nv.gov/ Cite as: Stephanie Thomas (NMLS 23447), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/stephanie-thomas-23447, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._