Pacific West Capital

What Pacific West Capital does

Pacific West Capital is a privately held, founder-led mortgage brokerage firm headquartered near John Wayne Airport in Orange County, California, licensed by the California Department of Real Estate (License #01043502) and registered with the NMLS (#359070) since its founding in 2002 by Scot King. Operating as a one-stop California mortgage broker approved with multiple wholesale lenders, the firm originates residential mortgages statewide on behalf of individual consumer borrowers — homebuyers, refinancers, self-employed individuals, low-credit-score borrowers, investment property owners, and seniors seeking reverse mortgages — as well as placing select commercial loans for apartment buildings, hotels, and mixed-use properties. The product portfolio spans conventional fixed and ARM loans, FHA loans (including zero-down and Back-to-Work variants), jumbo mortgages up to $3 million, HECM reverse mortgages, and specialty programs such as bank statement loans, DSCR loans, and no-income/no-DTI products for credit scores as low as 500.

The firm's technology stack is standard for the brokerage industry: third-party loan origination software, automated underwriting integrations with Fannie Mae Desktop Underwriter and Freddie Mac Loan Productor, and 128-bit SSL encryption for secure document transmission via its online application portal. There is no proprietary technology, AI/ML capability, or developer platform. Revenue is generated exclusively on a transaction-fee basis — commissions paid by wholesale lenders on each successfully funded loan — with ancillary fee revenue from tri-merge credit reports and rapid rescore services sold through the website. Go-to-market relies on direct phone sales (866-625-RATE), an online quote and application portal, in-person or mobile notary signings, and a referral network generated from satisfied clients, supported by organic social media presence on Facebook and Twitter. The company competes on personal service, a broad product menu accessible through multiple lender relationships, and a stated 4–5 week funding timeline versus 6–8 weeks at larger competitors.

Name

Pacific West Capital

Legal name

Pacific West Capital

Website

https://pacificwestcapital.net

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific West Capital is a privately held California mortgage brokerage founded in 2002, offering conventional, FHA, jumbo, reverse, and niche loan products to individual homebuyers, refinancers, self-employed, and investor borrowers statewide via wholesale lender commissions.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential loans
• FHA loans
• Reverse mortgages
• Jumbo mortgages

Headquarters

HQ city

Yorba Linda

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Origination/Commission: Pacific West Capital earns commissions from wholesale lenders for originating mortgage loans. As a mortgage broker, they connect borrowers with lenders and earn a fee for the transaction.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Pacific West Capital is a California mortgage brokerage firm that connects individual borrowers with multiple wholesale lenders to originate residential mortgage loans. They earn commissions from lenders for facilitating loan transactions and offer a full spectrum of products including conventional, FHA, jumbo, reverse, and niche programs for self-employed and low-credit borrowers.

Product overview

Pacific West Capital is a full-service California mortgage broker offering a comprehensive suite of mortgage products and services. The core offerings include Conventional Loans (fixed and adjustable rate options from 10 to 30 years), FHA Loans (including zero down payment programs and specialized Sapphire program), Jumbo Mortgages (up to $3 million), and Reverse Mortgages (HECM for borrowers 62+). The company also serves niche markets through Self-Employed Borrower Programs (bank statement qualifying), DSCR Loans for investment properties, No Income Verification/Hard Money Loans, and No Job/No Income/No DTI Programs. Additional services include low credit score mortgages, refinancing, mortgage rate locks, and credit report processing. The company operates licensed by the California Department of Real Estate (License #01043502) and NMLS (License #359070), working with wholesale lenders to fund mortgages statewide with typical processing times of 4-5 weeks.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans

Named customers5 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Wholesale Lenders NetworkcoreOthersPacific West Capital is approved with many wholesale lenders offering competitive interest rates on residential mortgages in California. These lenders fund mortgages statewide and are known to have good customer service departments. The company works with conventional, FHA, jumbo, and niche program lenders.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• LoanDepot: Large multi-channel mortgage originator with significant retail and wholesale brokerage operations and California presence; comparable because it serves the same California homebuyer base through similar conventional, FHA, and refinance products, but at vastly greater scale and with proprietary technology.
• Rocket Mortgage: Largest direct-to-consumer mortgage lender in the U.S.; comparable because it originates the same California residential purchase and refinance products that PWC brokers, competing for the same end-borrower with a digital-first experience.
• Guild Mortgage: Large national mortgage lender with deep retail branch presence including California; comparable because it offers conventional, FHA, jumbo, and specialized programs to similar California homebuyers and refinancers, competing on rate and service breadth.
• Caliber Home Loans: National mortgage originator with a strong non-QM and specialty program book; comparable because it competes with PWC for self-employed, bank statement, and non-prime California borrowers with similar niche product positioning.
• NewRez (formerly New Penn Financial): National mortgage lender with retail and wholesale channels serving conventional and non-QM borrowers; comparable because it supplies products similar to PWC's and competes for the same wholesale-broker-originated California volume.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender; comparable because it sits on the opposite side of PWC's broker relationship — UWM is one of the wholesale lenders PWC can place loans with, and it competes to be the broker channel of choice for similar small California brokers.

Emerging players

• Angel Oak Mortgage Solutions: Non-QM-focused wholesale and correspondent lender specializing in bank statement, DSCR, and alternative documentation programs; comparable because it funds the same niche self-employed and investment property products PWC brokers, and competes for the same non-prime California borrower segment.
• Kiavi (formerly LendingHome): Technology-enabled private / hard money and DSCR lender for real estate investors; comparable because it overlaps with PWC's investment property and no-income-documentation product set, targeting the same investor and self-employed borrower segment.

Regional players

• Skyline Financial (California Home Loans): California-focused retail mortgage lender headquartered in the state; comparable because it serves the same California purchase and refinance borrower base with overlapping conventional, FHA, and jumbo product offerings at a similar regional scale.
• Paramount Equity Solutions: Residential mortgage and home equity lender active in the western U.S.; comparable because it offers overlapping refinance and home equity products to California homeowners with similar small-to-mid regional positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mortgagebkr
• Facebookfacebook.com/pacificwestcapital
• LinkedInlinkedin.com/company/pacific-west-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific West Capital