West Capital Lending Reviews

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Edited by: Jon Bortin
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Edited by: Dave Schafer

About West Capital Lending

West Capital Lending is a brokerage company that has been in business since 2016. It partners with lending companies to provide a variety of loan options to its customers. West Capital Lending is available in 43 states (plus Washington, D.C.) and offers a range of different loan programs to choose from.

Pros
  • Multiple lending partners
  • Range of loan programs to choose from
  • Several nonqualified mortgage options
Cons
  • Limited practical information available online
  • Not available in all states

What is West Capital Lending?

West Capital Lending is a brokerage company that partners with lenders to provide loan options to its customers. It is available in 43 states and Washington, D.C. The company has been in business since 2016 and claims to have funded more than $20 billion in loans.

Because it’s a brokerage company, you’ll have the option to choose which lender fits your needs best. It partners with companies like Figure, Spring EQ, EPM Wholesale, Sun West Mortgage Company, Kind Lending and Loan Stream Mortgage. West Capital Lending also works with Rocket Mortgage.

West Capital Lending loan types

West Capital Lending offers a variety of loan options, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • Bank statement mortgages
  • DSCR mortgages
  • ITIN mortgages
  • Interest-only loans
  • Reverse mortgages
  • HELOCs
  • Home equity loans

West Capital Lending does not specify the length of terms that are offered for each loan, as it will change with each lender. However, common term lengths can range from 15 to 30 years. Long-term loans typically have lower monthly payments with a higher interest rate, whereas short-term loans may have higher monthly payments with a lower interest rate.

» MORE: 15-year vs. 30-year mortgage

West Capital Lending rates

West Capital Lending does not provide loan rates on its site because it is a broker. You’ll have to contact the company to obtain that information from its different lending partners. Loan rates are based on the buyer’s credit, loan term length, size of down payment, loan-to-value ratio, market conditions and market competition.

West Capital Lending cost and fees

West Capital Lending does not disclose any costs or fees on its site. Costs and fees will depend on which lender West Capital Lending suggests for your loan. That said, typical closing costs on a mortgage are between 2% and 5% of the price of the home.

West Capital Lending requirements

West Capital does not publish loan requirements on its site because they vary with each of its lending partners. While requirements are different for each loan and lender, most lenders require a good credit score (620 is a common minimum for a conventional mortgage), proof of income, a low debt-to-income ratio and a down payment.

West Capital Lending application process

To start the loan process with West Capital Lending, fill out the loan application questionnaire. The questionnaire will ask about the following:

  • The type of loan you’re applying for
  • Home description
  • Property use
  • The state you’re in
  • The timeline of purchase
  • Whether you have an existing mortgage
  • Estimated credit score
  • Contact information

Once you’ve submitted this information, a company representative will reach out to further discuss your loan and lender options.

West Capital Lending FAQ

How does West Capital Lending work?

West Capital Lending is a loan broker that partners with different lenders to provide a variety of loan options for its customers. It’s available in 43 states and offers multiple loan solutions that fit a variety of needs. The process starts with a straightforward online application. Once that’s completed, a representative will contact you to continue working on your loan.

Is West Capital Lending legit?

Yes, West Capital Lending is a legitimate company. It has been in business since 2016 and has helped fund over $2.7 billion in loans.

Where is West Capital Lending available?

West Capital Lending is available in 43 states, plus Washington, D.C. Here are the states West Capital Lending is not available:

  • Connecticut
  • Illinois
  • Indiana
  • Massachusetts
  • Missouri
  • New York
  • Rhode Island
What credit score do you need for West Capital Lending?

The minimum credit score needed for a West Capital Lending loan will vary depending on the type of loan and lender you choose. Generally, a score of 620 is needed to qualify for a conventional mortgage. FHA loans have minimum scores of 500 or 580, depending on the down payment.

West Capital Lending Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServicePunctuality & Speed

    Reviewed March 12, 2026

    I’m sure they have guys that can get the job done. But I would stray away from Robert **. Worked with him over a month for no result at all, incorrect application submissions, multiple periods of multiple days being ignored, not willing to submit an ROV on an inaccurate appraisal that didn’t even document the subject property, it ended with him allowing an application to expire after telling me it wouldn’t because they are waiting on processing and it’s no fault of mine. When I asked why it expired I was told to call them myself and have been ignored since.

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      Customer ServiceSales & MarketingOnline & AppLoan Process

      Reviewed March 10, 2026

      I gave all the details about my property and that it was a rental and a manufactured home. Maz said that was no problem and sent me the app from Rocket Mortgage and everything looked good. I call today and he tells me that the loan has been pulled because it is a rental. My real concern is that I had to call him to find out it was cancelled.

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      Staff

      Reviewed Feb. 17, 2026

      I strongly advise exercising caution when working with this firm, specifically the ** brothers. While they initially present a very promising outlook to secure your business, they ultimately failed to deliver on their commitments, citing questionable excuses. My application profile is excellent and met all necessary criteria for approval, so the issue was not on my end. The core problem was a lack of professional integrity from Devon ** and his team. I would not recommend their services based on this experience.

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      Customer ServiceHonesty & Transparency

      Reviewed Feb. 6, 2026

      I was using a different broker to begin with but West Capital called me and offered me a better deal. They told me to test text message the other company and tell them to not call me any more. They offered me a lump sum and told me that in 3 months that I can refinance it and get the rest of the money which is not true. Now we cannot do the things that we wanted to do that we told him we were going to do and we are in a mess. All the things that they did say were a lie and they changed them all right at the last minute at closing and I am very upset.

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      Customer ServiceTechPriceStaffLoan ProcessHonesty & Transparency

      Reviewed Nov. 20, 2025

      Beware of this misleading company!! WCL pre-approved a buyer for one of my properties so we went into contract (aka tied up the property for nothing.) A few weeks went by and nothing was happening. Contact was made to the buyer's agent and he said his buyer needed to pay off some debt before WCL would start processing the loan. A few more weeks went by so my agent called WCL and was told that the buyer paid off the debt but still needed to improve his credit score by 30 points to get the loan. WTF!! Why did you provide a Pre-Approval to us for this buyer if he was not credit worthy and I thought you loaned on the rent generated by the property. Now we have a house on the market a week before Thanksgiving and we are headed into the holiday season and winter months in Ohio.

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      Customer ServiceStaff

      Reviewed Nov. 13, 2025

      Jimmy, he calls himself called. Told why the call ,to refinance my property. I don't own property. I told him it wasn't me and hung up. He called back, when I answered he hung up. What is he 10? Left voice message and then text? VERY professional.

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      Customer ServiceStaffLoan Process

      Reviewed Nov. 12, 2025

      I received a superior customer experience (definitely 5 STAR *****) from West Capital Lending, led by Mr. David **, Vice President. Further, the person responsible for my selecting West Capital Lending is Ms. Joanna **, Loan Officer, and a role model and shining star for West Capital Lending. David and Joanna are high quality professionals, they work hard and smart, and they are determined to exceed all expectations. To be specific, the timeliness and follow-up they delivered was very effective, and the attention to detail and accuracy was also performed throughout.

      I'm very pleased that I initially spoke to Ms. Joanna **, as she was polite, customer friendly and she displayed spectacular listening skills. It is so nice for a professional to listen so attentively. Lastly, one more marvelous professional I received great loan closing support from is Ms. Kelly **, who served as Closing Coordinator and was brilliant from the moment I interfaced and communicated with her up through my loan closing. All three (3) officials are elite, Mr. David **, Ms. Joanna ** and Ms. Kelly **. In closing, I wish all future customers receive exceptional service from West Capital Lending (David and Joanna) and from Customer Solutions (Ms. Kelly **), thanks.

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      StaffLoan ProcessTransparency

      Reviewed Oct. 16, 2025

      For months I've been working with SAM ** and CLARE ** from WEST CAPITAL LENDING on securing a Reverse Mortgage. I had no idea how complex the navigation would be applying for this loan. Sam was with me every step of the way, keeping me updated and basically holding my hand to guide me towards the best possible products! Clare was hard at work organizing the paperwork and working her magic with the potential lenders to pull everything together. Between the two of them (What a star team!) they did a marvelous job! You couldn't ask for a better team than Sam and Clare!

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      StaffLoan Process

      Reviewed Aug. 1, 2025

      Garrett ** was our loan officer, he provided excellent service! Not only did he beat out fourteen other companies, but he also closed our HELOC in just four days! I would highly recommend West Capital Lending!

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      Refunds & PayoutsStaffBillingLoan Process

      Reviewed July 18, 2025

      Bad experience with West Capital Lending.. I took out a refinance loan and now I am in a deeper hole than before.. Constant changing of closing dates. Changing of loan numbers over and over again.. Was promised multiple times west capital lending would take care of 4 credit card debts.. They took care of 2 and left the other 2 not paid off... I have refinanced before and never had even a small problem with other companies. They are very confusing to talk with or understand. I was told I would get a payment of just under 2500 a month.. Then it's we can do this for 2529 a month and next thing I know on the closing documents is 2539 a month. Never expected this.

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      West Capital Lending Company Information

      Company Name:
      West Capital Lending
      Address:
      24 Executive Park, Ste. 250
      City:
      Irvine
      State/Province:
      CA
      Postal Code:
      92614
      Country:
      United States
      Website:
      westcapitallending.com