West Capital Lending Expanded Mortgage Operations
The company added a 33-person team to its network, signaling potential changes in loan availability for local borrowers.
Updated on Sept. 29, 2026 in Residential
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West Capital Lending has hired Michael Cecero and his 33-person team of mortgage professionals. The expansion into Franklin, Tennessee, and Columbia, Missouri, aims to leverage the team's existing processes for developing new loan officers.
Why it matters
This move integrates a high-volume team into West Capital Lending's wholesale platform and technology network to accelerate growth. For households, such expansion can change local access to financing options and influence the competitive environment for mortgage services.
The new team brings $325 million in annual production, following a 2021 performance where Michael Cecero funded 706 units totaling $242 million. The firm hopes to scale this success using a specialized training program to develop new loan officers.
The players
Michael Cecero
A high-volume mortgage professional who has transitioned to West Capital Lending.
West Capital Lending
A mortgage lender that provides wholesale platform access and home financing products.
Veterans United Home Loans
A lender specializing in VA purchase closings, where Cecero completed 3,000 transactions.
loanDepot
A national retail mortgage lender where Cecero previously managed over 1,500 closed loans.
The details
The new team gained access to West Capital Lending's wholesale platform, technology, and lender network. By adopting a formal training program to recruit and license new loan officers, the company intends to scale its footprint in the Tennessee and Missouri markets. This structure allows the lender to increase its capacity for processing loan applications through a standardized development model.
Timeline
In 2021, Michael Cecero funded 706 units totaling $242 million.
On September 29, 2026, West Capital Lending announced the hiring of the team.
Money Landscape
This expansion follows the industry trend of consolidating high-production teams onto established wholesale platforms to increase efficiency. It reflects a shift in how mid-sized lenders scale operations to compete in a constrained housing market.
Borrowers in Franklin and Columbia may find new mortgage product options or service styles as the team integrates into the local market. If you are shopping for a home loan, discuss your specific financing needs and local lender options with a qualified financial professional.
The takeaway
The addition of this high-volume team suggests that the lender is prioritizing rapid growth in specific regional markets. If you are considering a mortgage, compare multiple lenders to see how this new competitive entry impacts your local rate and fee environment.
Further reading
Learn more about local housing finance trends in our Residential section.
Source note: This article includes information reported by HousingWire.
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