Ryan Vecchiarelli
Branch Manager | NMLS #2211790
Top-producing loan officer licensed in multiple states, specializing in a wide range of loan products including purchase/refinance options for primary/investment homes and some commercial loan products as well. My focus is on providing exce... Show More
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Ryan was absolutely the best at helping me refinance. Straight shooter, no BS, just asked me my goals, my needs & wants & presented me with the best rates. Ryan explained all clearly & concisely, my escrow closing went smoothly with everyone...
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Reply from Ryan Vecchiarelli
June 30th, 2026 02:31 PM
Thank you so much for the kind words—I really appreciate your trust. I’m glad we could make the process smooth, efficient, and aligned with your goals. Always here if you need anything down the road!
I cannot speak highly enough of my experience with Ryan Vecchiarelli and West Capital Lending. From the well defined expectations on the front end, to the quality and speed of communication Ryan provided: I felt informed, prioritized, and confident...
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Reply from Ryan Vecchiarelli
June 30th, 2026 02:31 PM
Jake, thank you so much for the thoughtful review! I'm glad to hear you felt well-informed and confident throughout the process. Your trust means a lot, and I’m excited to help with any future projects. Thanks again for your kind words!
Having Ryan on your team is by far the best decision you can make when purchasing a home. He is patient, kind and an absolute wealth of knowledge. I had a tricky situation that many others turned me away. Ryan did not stop the communication...
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Reply from Ryan Vecchiarelli
June 30th, 2026 02:31 PM
Thank you for your kind words and excellent rating! At West Capital Lending, we always strive to go above and beyond for our clients and your feedback is a testament to that. The fact that you were able to focus on the excitement of your new...
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These guys are awesome !! The fastest and easiest funding I have ever done !! From the first moment to the last. Ryan and his team were unbelievable !! I will certainly go back to them for all of my financial needs and would advise anyone else...
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MY husband an I were trying to get a HELC loan on our home to purchase another property. We contacted Ryan Vecchiarelli. He was amazing. He listened to our situation and helped us secure a loan is a matter of a few days. He was right there...
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Reply from Ryan Vecchiarelli
September 23rd, 2026 04:54 PM
I am sincerely grateful for your trust in me and my team to get things done for you Lynette. Thank you for the kind words!
One of the best virtual and phone customer service experiences in my life! Ryan guided me through every step of the way of our loan and the online app was easy to use. Best of all, Ryan was response every time I reached out via phone and came...
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Reply from Ryan Vecchiarelli
September 14th, 2026 06:01 PM
I sincerely appreciate the kind words and am happy the care shows through. It was a pleasure sir, thank you for your trust in me and my team to get things to the finish line for you!
Ryan was knowledgeable and efficient in processing my loan. Thanks, Ryan!
Reply from Ryan Vecchiarelli
September 4th, 2026 09:53 PM
Grateful to have walked with you through this portion of your financial journey Chris. Thank you for your trust, we will talk again soon!
Ryan is the exact type of loan officer a consumer wants to work with. He is both knowledgeable and professional and was able to close our loan in only a couple weeks. I would definitely recommend working with Ryan if you are in the market.
Reply from Ryan Vecchiarelli
September 4th, 2026 09:52 PM
I'm grateful for your kind words, Shannon. It's wonderful to know that you found the process both professional and efficient. Your recommendation means a lot to me, especially knowing the business your husband is in!
Allow me to start out by saying I am not a person who writes reviews. I have high expectations and expect people who are properly trained to do their job well. So why write this? A person who exceeds my expectations deserves some extra kudos....
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Reply from Ryan Vecchiarelli
August 25th, 2026 04:59 PM
Mike, I really appreciate this, especially knowing you don’t normally take the time to write reviews! It was a pleasure working with you and I’m glad we were able to make the refinance as easy and painless as possible even with the initial...
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Ryan fulfilled our goal to obtain a heloc perfectly!
Reply from Ryan Vecchiarelli
August 25th, 2026 05:00 PM
It was a pleasure working with you again sir, we will be in touch!
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About
Top-producing loan officer licensed in multiple states, specializing in a wide range of loan products including purchase/refinance options for primary/investment homes and some commercial loan products as well. My focus is on providing exceptional customer service, clear communication, and a smooth process from start to finish. With extensive market knowledge and expertise in various loan options, I help clients find the best-fit solution for their unique needs. Whether you’re buying or refinancing, I’m committed to making the process efficient, straightforward, and stress-free, always putting your needs first.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
FHA, VA, Conventional, Jumbo and HELOC/HELOANs
Bank Statement Loans
DSCR Investment Loans
Full NonQM Product Suite
Mortgages, Refinance Loans, Purchase Loans, Home Equity Loans and Lines of Credit, Reverse Mortgages
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Positions
- West Capital Lending - Branch ManagerAug 29th, 2023 - Current
Memberships
- NMLS
- OC Realtors
- Orange County Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2023
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS
- California DRE
Awards
Top Refi LO 2024 a...
Achievements
- Rocket Pro Top Refi LO 2024
- Rocket Pro Top Refi LO 2025
Hobbies
- Family Time
- Running
- Hiking
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Disclaimer
WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Copyright ©
2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
NMLS Consumer Access (https://nmlsconsumeraccess.org)
https://westcapitallending.com/texas-complaint
https://westcapitallending.com/licensing