---
canonical_url: https://lendb.ai/lo/stephen-chiu-483691
json_url: https://lendb.ai/lo/stephen-chiu-483691.json
nmls_id: 483691
last_verified: 2026-10-26
---

# Stephen Chiu

Loan officer at West Capital Lending, Inc.. NMLS ID 483691 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/483691)).

Stephen Chiu (NMLS 483691) is a mortgage loan officer at West Capital Lending, Inc., licensed in Colorado since 2018 and in Florida, Texas, California and Maryland.

**Summary:** Stephen Chiu (NMLS 483691) is a loan officer at West Capital Lending, Inc.. Licensed in 5 states confirmed with state regulators: Florida, Texas, California, Colorado and Maryland. Earliest state license record: July 13, 2018 (Colorado), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is Stephen licensed in Florida?

Yes. Florida regulator records list license LO128015 as active, first effective April 23, 2024 (verified 2026-10-15). LenDb has 4 other states on file for Stephen. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Stephen 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 Stephen been licensed?

The earliest state license record LenDb holds for Stephen is from July 13, 2018 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=218451&contact=437993.

## At a glance

- Earliest state license record: July 13, 2018 (Colorado), 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): Stephen K. Chiu (CA, CO, FL, MD, TX, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Colorado (CO, 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 | LO128015 | active | confirmed | 2024-04-23 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2024-07-29 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 02343318 | active | confirmed |  | state_regulator | 2026-10-24 |
| CO | Colorado regulator | state_license | 100511805 | active | confirmed | 2018-07-13 | state_regulator | 2026-10-16 |
| 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/483691

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/483691
- 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://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=218451&contact=437993
- state_regulator: https://www.labor.maryland.gov/finance/

Cite as: Stephen Chiu (NMLS 483691), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/stephen-chiu-483691, last verified 2026-10-26.

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