--- canonical_url: https://lendb.ai/lo/zahami-gracia-islas-88599 json_url: https://lendb.ai/lo/zahami-gracia-islas-88599.json nmls_id: 88599 last_verified: 2026-10-24 --- # Zahami Gracia Islas Loan officer at West Capital Lending, Inc., Scottsdale, AZ. NMLS ID 88599 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/88599)). Based in Scottsdale, Arizona, Zahami Gracia Islas (NMLS 88599) is a mortgage loan officer at West Capital Lending, Inc., licensed in Texas since 2019 and in Florida, California, Connecticut and 7 more states. **Summary:** Zahami Gracia Islas (NMLS 88599) is a loan officer at West Capital Lending, Inc., based in Scottsdale, AZ. Licensed in 11 states confirmed with state regulators: Florida, Texas, California, Connecticut, Colorado, Pennsylvania, Missouri, Arkansas and 3 more. Earliest state license record: March 7, 2019 (Texas), per state regulator. Last verified 2026-10-24. ## Quick answers ### Is Zahami licensed in Florida? Yes. Florida regulator records list license LO124455 as active, first effective November 28, 2023 (verified 2026-10-15). LenDb has 10 other states on file for Zahami. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Zahami work for? West Capital Lending, Inc., company NMLS 1566096, from the Scottsdale, AZ office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Zahami been licensed? The earliest state license record LenDb holds for Zahami is from March 7, 2019 (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: March 7, 2019 (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): Zahami R. Gracia Islas (AR, CA, CO, CT, FL, IA, MO, NY, OR, as of 2026-10-20); Zahami R. Islas (PA, TX, as of 2026-10-12) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Connecticut (CT, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, 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 | LO124455 | active | confirmed | 2023-11-28 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2019-03-07 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | | CA | California Department of Real Estate | state_license | 02095159 | active | confirmed | | state_regulator | 2026-10-24 | | CT | Connecticut regulator | state_license | LO-88599 | active | confirmed | | state_regulator | 2026-10-15 | | CO | Colorado regulator | state_license | 100514600 | active | confirmed | 2019-07-02 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 114920 | active | confirmed | | state_regulator | 2026-10-16 | | 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 | 55017 | active | confirmed | 2025-08-05 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | 88599 | active | confirmed | 2024-03-12 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 88599 | active | confirmed | 2025-04-10 | state_regulator | 2026-10-21 | ## Employment history - ? to present: West Capital Lending, Inc. (NMLS 1566096), Scottsdale, AZ. 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/88599 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/88599 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.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://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=229136&contact=449152 - state_regulator: https://data.pa.gov/d/tyxc-jyug - 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/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ Cite as: Zahami Gracia Islas (NMLS 88599), West Capital Lending, Inc.. LenDb.ai, https://lendb.ai/lo/zahami-gracia-islas-88599, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._