--- canonical_url: https://lendb.ai/lo/thomas-carruth-1899991 json_url: https://lendb.ai/lo/thomas-carruth-1899991.json nmls_id: 1899991 last_verified: 2026-10-30 --- # Thomas Carruth Loan officer at West Capital Lending, Inc.. NMLS ID 1899991 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1899991)). Thomas Carruth (NMLS 1899991) is a mortgage loan officer at West Capital Lending, Inc., licensed in Texas since 2020 and in Florida, California, Connecticut and 9 more states. **Summary:** Thomas Carruth (NMLS 1899991) is a loan officer at West Capital Lending, Inc.. Licensed in 13 states confirmed with state regulators: Florida, Texas, California, Connecticut, Delaware, Colorado, Pennsylvania, Arkansas and 5 more. Earliest state license record: July 2, 2020 (Texas), per state regulator. Last verified 2026-10-30. ## Quick answers ### Is Thomas licensed in Florida? Yes. Florida regulator records list license LO78256 as active, first effective December 4, 2020 (verified 2026-10-15). LenDb has 12 other states on file for Thomas. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Thomas 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 Thomas been licensed? The earliest state license record LenDb holds for Thomas is from July 2, 2020 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: July 2, 2020 (Texas), 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): Thomas C. Carruth (AR, CA, CO, CT, DE, FL, IA, MD, OR, PA, TX, WY, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Maryland (MD, confirmed), Wyoming (WY, 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 | LO78256 | active | confirmed | 2020-12-04 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2020-07-02 | state_regulator | 2026-10-13 | | CA | California Department of Real Estate | state_license | 02217101 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-1899991 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | CO | Colorado regulator | state_license | 100520302 | active | confirmed | 2020-12-16 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 78036 | active | confirmed | | state_regulator | 2026-10-16 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 56760 | active | confirmed | 2026-03-12 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2020-07-15 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1899991 | active | confirmed | 2026-03-12 | state_regulator | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 108190 | active | confirmed | 2025-02-26 | state_regulator | 2026-10-27 | ## 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/1899991 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1899991 - 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://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=260766&contact=482809 - state_regulator: https://data.pa.gov/d/tyxc-jyug - 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://www.labor.maryland.gov/finance/ - state_regulator: https://wyomingbankingdivision.wyo.gov/ Cite as: Thomas Carruth (NMLS 1899991), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/thomas-carruth-1899991, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._