Ryan Vecchiarelli
West Capital Lending
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 13th, 2025 04:10 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
November 18th, 2024 04:24 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
August 31st, 2024 05:16 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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From the beginning of the process to the end, Ryan and his staff were absolutely spectacular. They were very patient with me and answered all my questions in a timely manner. The process itself ended up being a lot faster than expected. Everything...
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Reply from Ryan Vecchiarelli
May 11th, 2026 02:15 PM
Helping great customers like you is why I'm in this business. Thank you so much for your business and great feedback.
Ryan was great! The whole process was quick and easy, just like he said it would be. I really wasn't expecting to qualify and everything was done in days, not weeks or months. I will be contacting him with any other future needs for financing....
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Reply from Ryan Vecchiarelli
May 11th, 2026 04:47 PM
I really appreciate the feedback and am looking forward to working with you again.
My wife and I are writing to express our heartfelt gratitude to Ryan Vecchiarelli and his team for the recent loan approval. We truly appreciate your professionalism, efficiency, and support throughout this process. Thank you for keeping us...
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Reply from Ryan Vecchiarelli
April 29th, 2026 08:22 PM
Working together more than once is something I don’t take lightly, and I’m grateful for the continued trust you’ve placed in me and my team. I’m glad we were able to keep things smooth, transparent, and on track every step of the way.Wishing...
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He was great to work with very informative on advice thank
Reply from Ryan Vecchiarelli
April 29th, 2026 07:57 PM
Appreciate the kind words Pat, will be in touch in the future with market updates my friend.
Ryan is the best! Very helpful in following through the loan process
Reply from Ryan Vecchiarelli
April 29th, 2026 07:57 PM
It was great working with you Rainier and thank you for giving me the opportunity to prove to you that the process really is that quick!
I've worked with Ryan twice and he has worked to get my interest rate lower and lower. Ryan has done awesome job getting me refinanced twice.
Reply from Ryan Vecchiarelli
April 29th, 2026 07:56 PM
You are a great person and help make the process very smooth Shawn, thank you for your trust!
Ryan had done an excellent job in helping me attain our financial needs. I provided him my background information and let him know exactly what we are doing with the money. I also stated that I am not paying off debts nor do I want to give...
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Reply from Ryan Vecchiarelli
March 25th, 2026 04:13 PM
I really appreciate that sentiment sir! It means a lot that you trusted me and my team with your financial future in securing equity out of your home. I’m glad we were able to put together a solution that fit exactly what you were looking for...
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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
Search Rank ScoreLearn More →
213
/850
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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
Year Started
2023
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS
- California DRE
Awards
Top Refi LO 2024 a...
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