Applications / Mortgage Analytics / Lenders / California / West Coast Mortgage Group & Realty Company
Sacramento, CA · Non-bank or government lender · CFPB · 58 loans in 2025
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58
loans originated, 2025
93
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Coast Mortgage Group & Realty Company is a small conventional home-purchase lender, making 58 loans in 2025 against 971 in 2021.
It first reported in 2020 and made 971 loans in 2021, then 246 in 2022. The record has no figures for 2023 or 2024; in 2025 it made 58. Similar lenders (non-bank or government lenders making between half and twice as many loans) typically made 62, so it now sits near the middle of them.
Purchases made up 75.9% of its loans and refinancing 24.1%. Every loan was conventional, and none was on a manufactured home. Its typical loan was $415,000, against $340,000 at similar lenders, and its typical rate of 6.62% was close to their 6.66%.
Some 15.5% of its borrowers had low or moderate incomes (LMI), against 28.6% at similar lenders, and 14.0% of its loans were in LMI neighborhoods, against 23.9%. Its larger loans could account for part of this. With 58 loans, small shifts move these shares a lot.
It lends in 13 metros in 5 states. In Sacramento-Roseville-Folsom, its largest market, it ranks 195 of 574 lenders with a 0.1% share; United Wholesale Mortgage leads there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Coast Mortgage Group & Realty Company took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 24.1%
Conventional 100.0% · of 58 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 30 | 51.7% |
| Nevada | 24 | 41.4% |
| Washington | 2 | 3.4% |
| Arizona | 1 | 1.7% |
| Colorado | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 22 |
| Las Vegas-Henderson-North Las Vegas | 21 |
| Reno | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Bakersfield-Delano | 1 |
| Chico | 1 |
| Grand Junction | 1 |
| Modesto | 1 |
| Olympia-Lacey-Tumwater | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YVM8B4UQC5DK40 | 2020–2025 |
Established 1 May 2004. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: West Coast Mortgage Group & Realty Company's data.
West Coast Mortgage Group & Realty Company's data
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West Coast Mortgage Group & Realty Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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