---
canonical_url: https://lendb.ai/lo/timothy-velasco-ruano-2338202
json_url: https://lendb.ai/lo/timothy-velasco-ruano-2338202.json
nmls_id: 2338202
last_verified: 2026-10-20
---

# Timothy Velasco-Ruano

Loan officer at West Capital Lending, Inc.. NMLS ID 2338202 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2338202)).

Timothy Velasco-Ruano (NMLS 2338202) is a mortgage loan officer at West Capital Lending, Inc., licensed in Texas, Connecticut, Missouri and 2 more states.

**Summary:** Timothy Velasco-Ruano (NMLS 2338202) is a loan officer at West Capital Lending, Inc.. Licensed in 5 states confirmed with state regulators: Texas, Connecticut, Missouri, Arkansas and Oregon. Earliest state license record: April 6, 2026 (Iowa), per state regulator. Last verified 2026-10-20.

## Quick answers

### Is Timothy licensed in Texas?

Yes. Texas regulator records list a license as active, first effective June 15, 2026 (verified 2026-10-13). LenDb has 4 other states on file for Timothy. Source: https://www.sml.texas.gov/.

### What lender does Timothy 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 Timothy been licensed?

The earliest state license record LenDb holds for Timothy is from April 6, 2026 (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: April 6, 2026 (Iowa), 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): Timothy J. Velasco-Ruano (AR, CT, IA, MO, OR, TX, as of 2026-10-20)
- Licensed in: Texas (TX, confirmed), Connecticut (CT, confirmed), Missouri (MO, 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 |
|---|---|---|---|---|---|---|---|---|
| TX | Texas regulator | state_license | n/a | active | confirmed | 2026-06-15 | state_regulator | 2026-10-13 |
| CT | Connecticut regulator | state_license | LO-2338202 | active | confirmed |  | state_regulator | 2026-10-15 |
| 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 | 56985 | inactive | confirmed | 2026-04-06 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-04-14 | state_regulator | 2026-10-20 |

## 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/2338202

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2338202
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- 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://dfr.oregon.gov/

Cite as: Timothy Velasco-Ruano (NMLS 2338202), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/timothy-velasco-ruano-2338202, last verified 2026-10-20.

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