Westcoast Mortgage Group And Realty Company Rates, Fees & Info

SACRAMENTO, CA

LEI: 549300YVM8B4UQC5DK40

Tax ID: 20-0711554

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Westcoast Mortgage Group And Realty Company is a smaller mortgage company specializing in Refi loans. Westcoast Mortgage Group And Realty Company has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Las Vegas, San Jose, San Francisco, and Truckee among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Westcoast Mortgage Group And Realty Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Westcoast Mortgage Group And Realty Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.27% 4/21/24
    30 Year Conventional Refi 6.27% 4/21/24
    30 Year Cash-out Refi 6.22% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 5.68% 4/21/24
    15 Year Conventional Refi 5.68% 4/21/24
    15 Year Cash-out Refi 5.68% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Westcoast Mortgage Group And Realty Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Westcoast Mortgage Group And Realty Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    762

    Origination Dollar Volume (All Markets)

    $239,130,000
    Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 495 $152,485,000 $308,051 $2,790 2.84%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 53 $14,745,000 $278,208 $2,798 2.74%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 25 $12,345,000 $493,800 $3,431 3.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 25 $10,275,000 $411,000 $3,480 2.94%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 20 $6,390,000 $319,500 $3,034 3.07%
    RENO, NV (FHA|USDA|VA) 17 $5,055,000 $297,353 $3,027 3.01%
    STOCKTON, CA (FHA|USDA|VA) 15 $4,165,000 $277,667 $2,711 2.89%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $3,965,000 $360,455 $3,528 2.95%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 11 $3,765,000 $342,273 $3,887 2.78%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $3,260,000 $407,500 $3,088 2.86%
    Outside of Metro Areas 10 $2,420,000 $242,000 $2,889 2.85%
    VALLEJO, CA (FHA|USDA|VA) 6 $2,070,000 $345,000 $2,415 3.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $1,700,000 $283,333 $4,078 2.60%
    Susanville, CA (FHA|USDA|VA) 5 $1,195,000 $239,000 $2,486 3.08%
    NAPA, CA (FHA|USDA|VA) 2 $1,060,000 $530,000 $2,659 3.00%
    CHICO, CA (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,941 2.81%
    MODESTO, CA (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,481 2.78%
    YUBA CITY, CA (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,572 2.78%
    EL CENTRO, CA (FHA|USDA|VA) 4 $980,000 $245,000 $3,161 2.66%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $965,000 $321,667 $2,379 2.92%
    MADERA, CA (FHA|USDA|VA) 3 $855,000 $285,000 $2,883 3.08%
    FRESNO, CA (FHA|USDA|VA) 3 $825,000 $275,000 $4,215 3.46%
    MERCED, CA (FHA|USDA|VA) 2 $660,000 $330,000 $2,935 3.13%
    CARSON CITY, NV (FHA|USDA|VA) 2 $640,000 $320,000 $2,273 2.63%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $630,000 $315,000 $2,372 2.94%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $610,000 $305,000 $3,006 2.81%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $610,000 $305,000 $2,863 2.88%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $590,000 $295,000 $2,276 2.69%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $470,000 $235,000 $4,283 2.88%
    Ukiah, CA (FHA|USDA|VA) 1 $365,000 $365,000 $2,855 3.88%
    Sandpoint, ID (FHA|USDA|VA) 1 $325,000 $325,000 $3,260 2.50%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,472 2.50%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $4,392 2.88%
    Crescent City, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,041 2.25%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,591 2.50%
    Fernley, NV (FHA|USDA|VA) 1 $225,000 $225,000 $2,793 2.50%
    Clearlake, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,965 2.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $205,000 $205,000 $2,561 2.75%
    Outside of Metro Areas 1 $205,000 $205,000 $3,263 2.99%
    SALEM, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,636 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,378 2.50%
    BEND, OR (FHA|USDA|VA) 1 $175,000 $175,000 $2,788 2.88%
    REDDING, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,277 2.63%
    Westcoast Mortgage Group And Realty Company's top markets include Sacramento, Las Vegas, San Jose, San Francisco, and Truckee among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against WESTCOAST MORTGAGE GROUP AND REALTY COMPANY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Great Basin Federal Credit Union
    Similarity Rank: 168
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 330
    SILVER STATE SCHOOLS SERVICE COMPANY, LLC
    Similarity Rank: 1056
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1120
    BNB FINANCIAL INC.
    Similarity Rank: 1184
    INFINITY EQUITY GROUP, INC.
    Similarity Rank: 1584
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 1904
    COMMUNITY FIRST CREDIT UNION
    Similarity Rank: 1972
    Bank Iowa
    Similarity Rank: 1998
    SACRAMENTO Credit Union
    Similarity Rank: 2256

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 760 $238,540,000 $313,868 $2,897 2.85%
    HELOC 1 $155,000 $155,000 n/a 2.63%
    VA 1 $435,000 $435,000 $3,859 3.25%

    For 2020, Westcoast Mortgage Group And Realty Company's most frequently originated type of loan was Conventional, with 760 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 526 $160,680,000 $305,475 $2,730 2.79%
    Cash Out Refi 151 $45,995,000 $304,603 $3,042 3.02%
    Home Purchase 85 $32,455,000 $381,824 $3,675 2.94%

    For 2020, Westcoast Mortgage Group And Realty Company's most frequently cited loan purpose was Refi, with 526 originations. The 2nd most popular reason was Cash Out Refi, with 151 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 606 $198,210,000 $327,079 $2,960 2.92%
    15 Year 94 $23,510,000 $250,106 $2,594 2.45%
    20 Year 36 $9,690,000 $269,167 $2,675 2.85%
    Other 22 $6,330,000 $287,727 $2,937 2.89%
    10 Year 4 $1,390,000 $347,500 $2,396 2.44%

    For 2020, Westcoast Mortgage Group And Realty Company's most frequently cited loan duration was 30 Year, with 606 originations. The 2nd most popular length was 15 Year, with 94 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 566 $177,820,000 $314,170
    $1k-2k 119 $35,255,000 $296,261
    $2k-3k 34 $10,870,000 $319,706
    $3k-4k 23 $7,075,000 $307,609
    $4k-5k 9 $3,615,000 $401,667
    $5k+ 9 $3,955,000 $439,444

    Westcoast Mortgage Group And Realty Company's average total fees were $2,960, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 566 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 430 $134,390,000 $312,535
    3-4% 186 $63,260,000 $340,108
    <2.5% 144 $40,840,000 $283,611
    4-5% 2 $640,000 $320,000

    During 2020, Westcoast Mortgage Group And Realty Company's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 430 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 490 $144,660,000 $295,224 $2,878 2.87%
    $400k-600k 149 $69,025,000 $463,255 $3,162 2.90%
    $100k-200k 108 $17,810,000 $164,907 $2,460 2.69%
    $600k-1MM 10 $7,190,000 $719,000 $5,076 3.31%
    $100,000 or less 5 $445,000 $89,000 $2,009 2.75%

    2020 saw Westcoast Mortgage Group And Realty Company place emphasis on $200k-400k loans with 490 originations, totaling $144,660,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 229 $78,065,000 $340,895 $2,971 2.88%
    $75k-100k 174 $51,700,000 $297,126 $2,814 2.84%
    $50k-75k 155 $40,265,000 $259,774 $2,813 2.85%
    $150k-250k 119 $46,575,000 $391,387 $2,979 2.85%
    $50k or less 58 $12,120,000 $208,966 $2,988 2.85%
    $250k+ 27 $10,405,000 $385,370 $2,728 2.79%

    Westcoast Mortgage Group And Realty Company lent most frequently to those with incomes in the $100k-150k range, with 229 originations. The second most popular income band? $75k-100k, with 174 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 209 $65,045,000 $311,220 $2,800 2.85%
    30-36% 148 $46,320,000 $312,973 $2,911 2.87%
    <20% 71 $17,835,000 $251,197 $2,590 2.75%
    39% 37 $13,215,000 $357,162 $2,906 2.86%
    44% 30 $9,510,000 $317,000 $3,237 2.93%
    40% 28 $9,240,000 $330,000 $2,952 2.88%
    42% 27 $9,515,000 $352,407 $2,939 3.01%
    37% 27 $8,525,000 $315,741 $2,990 2.86%
    43% 26 $8,320,000 $320,000 $3,015 2.79%
    48% 24 $6,740,000 $280,833 $2,853 2.81%
    49% 23 $8,255,000 $358,913 $3,024 2.92%
    41% 22 $7,770,000 $353,182 $3,430 2.94%
    36% 21 $6,455,000 $307,381 $3,030 2.85%
    46% 18 $5,680,000 $315,556 $2,711 2.81%
    45% 17 $5,205,000 $306,176 $3,071 2.70%
    38% 17 $5,865,000 $345,000 $3,371 2.98%
    47% 10 $3,110,000 $311,000 $2,540 2.80%
    50-60% 4 $1,320,000 $330,000 $2,880 2.94%
    >60% 1 $325,000 $325,000 $2,752 3.88%

    Westcoast Mortgage Group And Realty Company lent most frequently to those with DTI ratios of 20-30%, with 209 originations. The next most common DTI ratio? 30-36%, with 148 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 537 $171,195,000 $318,799 $2,894 2.89%
    Asian 103 $31,345,000 $304,320 $2,729 2.73%
    Not provided 98 $29,930,000 $305,408 $3,022 2.83%
    Black 15 $4,255,000 $283,667 $2,842 2.87%
    American Indian 5 $1,205,000 $241,000 $4,818 2.83%
    Native Hawaiian or Islander 2 $730,000 $365,000 $2,379 2.81%
    Other Asian 1 $265,000 $265,000 $2,878 2.50%
    Vietnamese 1 $205,000 $205,000 $2,496 2.99%

    Approval Rates

    Total approvals of all applications
    100.00%

    Westcoast Mortgage Group And Realty Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    64.44%

    Westcoast Mortgage Group And Realty Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $215,000 $215,000
    1495.0 3 $705,000 $235,000
    NA 758 $238,210,000 $314,261

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 762 $239,130,000 $313,819

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 85 $16,995,000 $199,941 $2,546 2.67%
    40-60% 229 $68,345,000 $298,450 $2,609 2.79%
    60-80% 324 $108,820,000 $335,864 $2,946 2.91%
    80-100% 117 $43,375,000 $370,726 $3,580 2.97%
    Under 20% 7 $1,595,000 $227,857 $2,852 2.66%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    WESTSTAR MORTGAGE CORPORATION Conventional home mortgage Incorrect information on your report 1 50.0%
    WESTSTAR MORTGAGE CORPORATION Conventional home mortgage Trouble during payment process 1 50.0%