West Coast Mortgage Group & Realty Co Mortgage Lending & HMDA Data, 2022
In 2022, West Coast Mortgage Group & Realty Co of Sacramento, CA reported 411 mortgage applications totaling $180.8 million, down 68% from 2021. The average application was for $439,939, and applicants reported an average income of $146,309. 60% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (170), Las Vegas-Henderson-Paradise, NV (27) and San Jose-Sunnyvale-Santa Clara, CA (19) (applications in parentheses).
| Mortgage Company & Address | West Coast Mortgage Group & Realty Co 2716 Broadway Sacramento, CA 95818 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2022 2021 2020 |
| Total Number of Mortgage Applications | 411 |
| Total Mortgage Loan Application Amount | $180,815,000 |
| Average Mortgage Loan Application Amount | $439,939 |
| Highest Mortgage Loan Application Amount | $1,735,000 |
| Average Applicant Income | $146,309 |
| Highest Applicant Income | $1,215,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records West Coast Mortgage Group & Realty Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for West Coast Mortgage Group & Realty Co in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 196 | $103,090,000 | $525,000 | $1,735,000 | $177,000 | $1,149,000 |
| Cash-out Refinancing | 143 | $53,305,000 | $372,000 | $1,005,000 | $119,000 | $1,215,000 |
| Refinancing | 72 | $24,420,000 | $339,000 | $1,265,000 | $117,000 | $500,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 171 | $75,245,000 | $440,000 | $1,645,000 | $147,000 | $1,149,000 |
| Hispanic | 99 | $42,945,000 | $433,000 | $1,735,000 | $137,000 | $1,215,000 |
| Not Provided | 79 | $32,715,000 | $414,000 | $1,735,000 | $151,000 | $900,000 |
| Asian | 44 | $22,830,000 | $518,000 | $1,335,000 | $169,000 | $392,000 |
| Black or African American | 10 | $4,600,000 | $460,000 | $705,000 | $128,000 | $209,000 |
| American Indian or Alaskan Native | 3 | $535,000 | $178,000 | $225,000 | $132,000 | $267,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $670,000 | $335,000 | $365,000 | $69,000 | $80,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 347 | $156,895,000 | $452,000 | $1,735,000 | $157,000 | $1,215,000 |
| FHA-insured (Federal Housing Administration) | 50 | $18,570,000 | $371,000 | $645,000 | $92,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 14 | $5,350,000 | $382,000 | $775,000 | $89,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 246 | $107,820,000 | $438,000 | $1,735,000 | $149,000 | $1,215,000 |
| Application Withdrawn By Applicant | 122 | $57,210,000 | $468,000 | $1,735,000 | $151,000 | $1,149,000 |
| File Closed For Incompleteness | 38 | $14,440,000 | $380,000 | $865,000 | $128,000 | $481,000 |
| Application Denied By Financial Institution | 5 | $1,345,000 | $269,000 | $405,000 | $60,000 | $90,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 406 | $179,470,000 | $442,000 | $1,735,000 | $148,000 | $1,215,000 |
| Other | 2 | $630,000 | $315,000 | $335,000 | $71,000 | $90,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $63,000 | $63,000 |
| Credit History | 1 | $145,000 | $145,000 | $145,000 | $58,000 | $58,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Coast Mortgage Group & Realty Co's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess West Coast Mortgage Group & Realty Co's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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