Bay-valley Mortgage Group Rates, Fees & Info

GARDEN GROVE, CA

LEI: 54930002O9LLXKR6TF11

Tax ID: 94-3169132

1 stars - Updated: 5/20/24 - out of 5 stars, based on 35 reviews

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

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Mortgage Data

Review & Overview

Bay-valley Mortgage Group is a smaller mortgage company specializing in Home Purchase loans. Bay-valley Mortgage Group has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Las Vegas, San Diego, and San Francisco among others. We have data for 117 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bay-valley Mortgage Group 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. Bay-valley Mortgage Group is typically a high 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 relatively high 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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Originations

1,245

Origination Dollar Volume (All Markets)

$570,285,000

Awards

BAY-VALLEY MORTGAGE GROUP FHA Loans silver
Show all (1) awards

Relative Rate

Bay-valley Mortgage Group's average 30 year fixed mortgage rate was 6.66%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.18%.

Relative Fees (Closing Costs)

Bay-valley Mortgage Group's average total fees/closing costs for a 30 year fixed rate mortgage were $13,190.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 419 $244,435,000 $583,377 $14,886 6.65%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 276 $113,690,000 $411,920 $13,545 6.48%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 120 $44,000,000 $366,667 $12,153 6.57%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $16,295,000 $603,519 $11,968 6.80%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $13,460,000 $517,692 $9,568 6.60%
FRESNO, CA (FHA|USDA|VA) 44 $10,690,000 $242,955 $9,540 5.83%
SALINAS, CA (FHA|USDA|VA) 26 $10,570,000 $406,538 $16,720 5.95%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $10,445,000 $614,412 $8,892 7.13%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 31 $10,095,000 $325,645 $11,243 7.19%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $4,735,000 $947,000 $22,657 8.27%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 11 $4,575,000 $415,909 $10,896 7.07%
URBAN HONOLULU, HI (FHA|USDA|VA) 8 $4,480,000 $560,000 $16,588 7.97%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $4,430,000 $443,000 $11,498 6.90%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $4,210,000 $526,250 $12,022 7.53%
BAKERSFIELD, CA (FHA|USDA|VA) 15 $4,155,000 $277,000 $10,052 7.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $3,270,000 $545,000 $11,292 6.79%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $2,770,000 $692,500 $23,234 5.47%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $2,650,000 $441,667 $9,521 6.90%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $2,255,000 $451,000 $4,924 7.35%
BOISE CITY, ID (FHA|USDA|VA) 5 $2,145,000 $429,000 $6,256 6.48%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 10 $2,030,000 $203,000 $9,295 6.55%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,945,000 $277,857 $9,491 7.23%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 8 $1,870,000 $233,750 $7,501 7.20%
VALLEJO, CA (FHA|USDA|VA) 4 $1,860,000 $465,000 $18,459 4.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,570,000 $785,000 $21,032 7.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $8,667 6.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $1,525,000 $508,333 $13,422 8.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,420,000 $355,000 $10,347 7.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,355,000 $451,667 $9,964 7.75%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,340,000 $670,000 $8,965 6.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $10,409 8.66%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $28,510 8.88%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $18,811 8.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,150,000 $287,500 $8,444 6.72%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,150,000 $287,500 $14,567 7.34%
MERCED, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $9,429 7.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $900,000 $450,000 $8,283 6.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $890,000 $445,000 $10,224 7.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $830,000 $415,000 $15,062 6.00%
MADERA, CA (FHA|USDA|VA) 3 $785,000 $261,667 $11,950 6.67%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $785,000 $261,667 $10,701 7.25%
SALEM, OR (FHA|USDA|VA) 2 $760,000 $380,000 $14,243 6.81%
RENO, NV (FHA|USDA|VA) 2 $730,000 $365,000 $11,444 7.38%
VISALIA, CA (FHA|USDA|VA) 4 $710,000 $177,500 $9,899 7.44%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $680,000 $340,000 $7,791 6.63%
SAVANNAH, GA (FHA|USDA|VA) 2 $660,000 $330,000 $8,710 7.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $650,000 $325,000 $10,172 7.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $650,000 $325,000 $7,202 6.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $635,000 $635,000 $13,312 9.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $605,000 $605,000 $12,114 6.88%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $590,000 $295,000 $11,077 7.31%
Outside of Metro Areas 2 $580,000 $290,000 $15,775 8.06%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $575,000 $575,000 $23,320 7.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $575,000 $575,000 $14,835 6.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $555,000 $555,000 $15,152 6.63%
Hailey, ID (FHA|USDA|VA) 1 $545,000 $545,000 $31,076 7.88%
GAINESVILLE, GA (FHA|USDA|VA) 2 $540,000 $270,000 $7,855 7.19%
STOCKTON, CA (FHA|USDA|VA) 1 $525,000 $525,000 $5,052 6.50%
BEND, OR (FHA|USDA|VA) 1 $525,000 $525,000 $9,890 7.13%
SPARTANBURG, SC (FHA|USDA|VA) 2 $520,000 $260,000 $9,374 6.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $500,000 $250,000 $6,839 6.69%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $495,000 $495,000 $14,726 7.63%
COLUMBUS, OH (FHA|USDA|VA) 1 $495,000 $495,000 $18,780 8.50%
EL PASO, TX (FHA|USDA|VA) 3 $495,000 $165,000 $6,850 7.71%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $475,000 $475,000 $18,265 7.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $470,000 $235,000 $11,290 6.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $465,000 $465,000 $10,266 6.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $455,000 $455,000 $7,626 6.25%
TUCSON, AZ (FHA|USDA|VA) 3 $445,000 $148,333 $5,615 7.29%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $440,000 $220,000 $3,928 7.25%
Kapaa, HI (FHA|USDA|VA) 1 $435,000 $435,000 $24,840 6.00%
EL CENTRO, CA (FHA|USDA|VA) 2 $430,000 $215,000 $9,341 6.56%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $415,000 $415,000 $6,981 6.63%
YAKIMA, WA (FHA|USDA|VA) 1 $405,000 $405,000 $16,853 5.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $395,000 $395,000 $15,161 6.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,667 6.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $375,000 $375,000 $3,811 6.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $375,000 $375,000 $9,135 6.63%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $365,000 $365,000 $4,813 7.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $345,000 $345,000 $3,369 7.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $345,000 $115,000 $6,591 10.13%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $340,000 $170,000 $7,086 7.31%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $335,000 $335,000 $17,300 6.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $335,000 $335,000 $17,152 7.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $335,000 $335,000 $6,594 7.88%
MEDFORD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $7,377 6.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $7,495 7.88%
Newport, OR (FHA|USDA|VA) 1 $305,000 $305,000 $3,598 6.75%
MODESTO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $11,443 7.38%
Traverse City, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,780 7.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $7,799 6.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $9,727 7.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $12,621 6.75%
Pahrump, NV (FHA|USDA|VA) 1 $275,000 $275,000 $11,521 8.75%
Beeville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $15,255 7.25%
Sonora, CA (FHA|USDA|VA) 1 $275,000 $275,000 $9,147 7.00%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $275,000 $275,000 $7,626 7.50%
McMinnville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $6,620 5.50%
Brownsville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $9,526 6.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $235,000 $235,000 $11,401 7.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $12,830 7.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,153 9.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $215,000 $215,000 $4,138 7.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $205,000 $205,000 $7,097 6.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $9,008 8.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $6,957 7.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $185,000 $185,000 $8,651 6.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,252 7.25%
RACINE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $9,999 7.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.63%
ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $8,572 8.00%
READING, PA (FHA|USDA|VA) 1 $165,000 $165,000 $8,018 6.75%
Calhoun, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,694 6.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $155,000 $155,000 $5,149 7.38%
Hilo, HI (FHA|USDA|VA) 1 $135,000 $135,000 $6,330 6.63%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $135,000 $135,000 $5,543 7.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,627 6.13%
Bay-valley Mortgage Group's top markets include Los Angeles, Riverside, Las Vegas, San Diego, and San Francisco among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

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

    South Metro Federal Credit Union
    Similarity Rank: 55
    Los Angeles Federal Credit Union
    Similarity Rank: 72
    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 92
    MISSION
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    VENTURA COUNTY
    Similarity Rank: 96
    Valley First Credit Union
    Similarity Rank: 110
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 126
    First Farmers and Merchants Bank
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    ONE NEVADA CREDIT UNION
    Similarity Rank: 182
    GREATER NEVADA LLC
    Similarity Rank: 192

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 939 $425,805,000 $453,466 $10,825 6.73%
    FHA 276 $127,280,000 $461,159 $20,250 6.55%
    VA 29 $16,945,000 $584,310 $14,410 6.35%
    HELOC 1 $255,000 $255,000 n/a 9.75%

    For 2023, Bay-valley Mortgage Group's most frequently originated type of loan was Conventional, with 939 originations. Their 2nd most popular type was FHA, with 276 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,052 $492,800,000 $468,441 $13,250 6.59%
    Cash Out Refi 145 $55,985,000 $386,103 $12,580 7.44%
    Refi 41 $21,465,000 $523,537 $10,161 7.16%
    Other 7 $35,000 $5,000 $165 2.18%

    For 2023, Bay-valley Mortgage Group's most frequently cited loan purpose was Home Purchase, with 1,052 originations. The 2nd most popular reason was Cash Out Refi, with 145 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,194 $560,310,000 $469,271 $13,190 6.66%
    15 Year 33 $3,755,000 $113,788 $3,089 6.61%
    30+ year 8 $1,650,000 $206,250 $13,438 8.78%
    1 Year 4 $2,940,000 $735,000 $47,967 11.12%
    20 Year 4 $880,000 $220,000 $5,405 6.84%
    10 Year 2 $750,000 $375,000 $4,428 6.69%

    For 2023, Bay-valley Mortgage Group's most frequently cited loan duration was 30 Year, with 1,194 originations. The 2nd most popular length was 15 Year, with 33 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 770 $387,370,000 $503,078
    $1k-2k 137 $69,655,000 $508,431
    $4k-5k 102 $36,890,000 $361,667
    $<1k 101 $18,465,000 $182,822
    $2k-3k 66 $31,510,000 $477,424
    $3k-4k 65 $25,465,000 $391,769

    Bay-valley Mortgage Group's average total fees were $13,190, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 770 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 587 $274,885,000 $468,288
    7-8% 366 $171,650,000 $468,989
    5-6% 153 $71,635,000 $468,203
    Over 8% 88 $48,280,000 $548,636
    <2.5% 49 $2,855,000 $58,265
    4-5% 2 $980,000 $490,000

    During 2023, Bay-valley Mortgage Group's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 587 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 401 $125,715,000 $313,504 $11,430 6.91%
    $400k-600k 379 $187,005,000 $493,417 $14,346 6.82%
    $600k-1MM 252 $183,520,000 $728,254 $16,613 6.86%
    $100k-200k 101 $15,305,000 $151,535 $6,484 6.45%
    $100,000 or less 65 $1,655,000 $25,462 $381 3.39%
    $1MM+ 47 $57,085,000 $1,214,574 $27,328 7.78%

    2023 saw Bay-valley Mortgage Group place emphasis on $200k-400k loans with 401 originations, totaling $125,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 393 $164,025,000 $417,366 $13,072 6.44%
    $150k-250k 331 $181,965,000 $549,743 $13,646 6.70%
    $250k+ 173 $122,735,000 $709,451 $15,669 7.37%
    $75k-100k 160 $50,670,000 $316,688 $11,356 6.48%
    $50k-75k 112 $26,870,000 $239,911 $9,786 6.13%
    $50k or less 76 $24,020,000 $316,053 $11,913 7.52%

    Bay-valley Mortgage Group lent most frequently to those with incomes in the $100k-150k range, with 393 originations. The second most popular income band? $150k-250k, with 331 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 145 $71,335,000 $491,966 $20,136 6.51%
    30-36% 134 $56,070,000 $418,433 $10,463 6.77%
    49% 108 $49,860,000 $461,667 $13,745 6.70%
    20-30% 99 $43,215,000 $436,515 $10,585 6.73%
    48% 76 $34,960,000 $460,000 $14,327 6.86%
    42% 73 $37,875,000 $518,836 $11,320 6.86%
    44% 64 $30,900,000 $482,813 $13,591 6.75%
    46% 60 $27,980,000 $466,333 $12,777 6.77%
    38% 59 $27,585,000 $467,542 $11,451 6.55%
    43% 59 $27,015,000 $457,881 $12,542 6.77%
    47% 58 $26,380,000 $454,828 $12,652 6.53%
    45% 56 $25,390,000 $453,393 $12,429 6.87%
    <20% 51 $14,035,000 $275,196 $7,663 5.44%
    36% 47 $24,685,000 $525,213 $14,355 7.05%
    41% 41 $20,535,000 $500,854 $12,902 6.64%
    40% 37 $19,225,000 $519,595 $13,526 6.64%
    39% 37 $13,855,000 $374,459 $10,560 6.76%
    37% 29 $14,795,000 $510,172 $10,898 6.78%
    >60% 5 $2,525,000 $505,000 $12,001 6.23%

    Bay-valley Mortgage Group lent most frequently to those with DTI ratios of 50-60%, with 145 originations. The next most common DTI ratio? 30-36%, with 134 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 430 $191,860,000 $446,186 $13,333 6.61%
    Asian 341 $178,315,000 $522,918 $11,102 6.81%
    White 420 $177,010,000 $421,452 $14,290 6.67%
    Black 36 $16,440,000 $456,667 $13,551 6.79%
    Native Hawaiian or Islander 3 $1,435,000 $478,333 $15,942 6.63%
    American Indian 3 $1,085,000 $361,667 $11,889 4.38%
    Filipino 2 $1,080,000 $540,000 $14,535 6.75%
    Korean 3 $995,000 $331,667 $4,781 7.04%
    Other Asian 1 $515,000 $515,000 $20,929 7.13%
    Vietnamese 1 $505,000 $505,000 $5,925 6.50%
    Chinese 2 $450,000 $225,000 $8,297 6.81%
    Japanese 1 $365,000 $365,000 $3,116 6.13%
    Asian Indian 2 $230,000 $115,000 $2,069 4.19%

    Approval Rates

    Total approvals of all applications
    99.49%

    Bay-valley Mortgage Group 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
    33.33%

    Bay-valley Mortgage Group 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
    NA 1,245 $570,285,000 $458,060

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,245 $570,285,000 $458,060

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 72 $18,630,000 $258,750 $6,922 6.08%
    40-60% 140 $62,820,000 $448,714 $10,628 7.10%
    60-80% 412 $209,410,000 $508,277 $12,579 7.12%
    80-100% 537 $271,485,000 $505,559 $16,358 6.71%
    Over 100% 7 $3,275,000 $467,857 $16,804 5.93%
    Under 20% 77 $4,665,000 $60,584 $1,461 4.01%