--- canonical_url: https://lendb.ai/lo/zachary-west-2019177 json_url: https://lendb.ai/lo/zachary-west-2019177.json nmls_id: 2019177 last_verified: 2026-10-31 --- # Pat West Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2019177 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2019177)). Pat West (NMLS 2019177) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in California since 2025 and in Florida, Connecticut, Delaware and 9 more states. **Summary:** Pat West (NMLS 2019177) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 13 states confirmed with state regulators: Florida, Connecticut, Delaware, Missouri, Iowa, Oregon, Wisconsin, California and 5 more. Earliest state license record: July 30, 2025 (California), per state regulator. Last verified 2026-10-31. ## Quick answers ### Is Pat licensed in Florida? Yes. Florida regulator records list license LO142712 as active, first effective November 13, 2025 (verified 2026-10-15). LenDb has 12 other states on file for Pat. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Pat work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/pat-west/. ### How long has Pat been licensed? The earliest state license record LenDb holds for Pat is from July 30, 2025 (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: July 30, 2025 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Connecticut (CT, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Maryland (MD, confirmed), Wyoming (WY, confirmed), Illinois (IL, 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. ## Facts from the lender page and intro - years_experience: since 2020. Source: https://independencehl.com/pat-west/, verified 2026-10-15. - other: Background spanning tech, real estate, solar, and finance. Source: https://independencehl.com/pat-west/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO142712 | active | confirmed | 2025-11-13 | state_regulator | 2026-10-15 | | CT | Connecticut regulator | state_license | LO-2019177 | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | IA | Iowa regulator | state_license | 56998 | active | confirmed | 2026-04-07 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-12-29 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2019177 | active | confirmed | 2026-04-07 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2019177 | active | confirmed | 2025-07-30 | state_regulator | 2026-10-24 | | MA | Massachusetts regulator | state_license | MLO2019177 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | WY | Wyoming regulator | state_license | 110388 | active | confirmed | 2026-06-10 | state_regulator | 2026-10-27 | | IL | Illinois regulator | state_license | 31.0091407 | active | confirmed | 2025-08-29 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-151618 | active | confirmed | 2025-11-29 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/pat-west/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2019177 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/pat-west/ - Office phone and Email on file: shown at https://lendb.ai/lo/zachary-west-2019177#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2019177 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - 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://finance.mo.gov/banks-0/bank-licensee-search - 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://wyomingbankingdivision.wyo.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - lender_site: https://independencehl.com/pat-west/ Cite as: Pat West (NMLS 2019177), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/zachary-west-2019177, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._