Bay-valley Mortgage Group Rates, Fees & Info
GARDEN GROVE, CALEI: 54930002O9LLXKR6TF11
Tax ID: 94-3169132
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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 Jose, and San Francisco among others. We have data for 124 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 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.82% | 4/5/25 |
| 30 Year Conventional Purchase | 6.57% | 4/5/25 |
| 30 Year Conventional Refi | 6.81% | 4/5/25 |
| 30 Year Cash-out Refi | 7.66% | 4/5/25 |
| 30 Year FHA Purchase | 7.38% | 4/5/25 |
| 30 Year FHA Refi | 7.26% | 4/5/25 |
| 30 Year VA Purchase | 6.30% | 4/5/25 |
| 30 Year VA Refi | 6.32% | 4/5/25 |
| 15 Year Conventional Purchase | 7.05% | 4/5/25 |
| 15 Year Conventional Refi | 5.85% | 4/5/25 |
| 15 Year Cash-out Refi | 5.85% | 4/5/25 |
| 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. | ||
Bay-valley Mortgage Group Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Bay-valley Mortgage Group. 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
1,369Origination Dollar Volume (All Markets)
$636,375,000Relative Rate
Bay-valley Mortgage Group's average 30 year fixed mortgage rate was
6.74%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.19%.
Relative Fees (Closing Costs)
Bay-valley Mortgage Group's average total fees/closing costs for a 30 year fixed rate
mortgage were $12,047.
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 $8,356.
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) | 454 | $270,290,000 | $595,352 | $13,408 | 6.80% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 241 | $97,855,000 | $406,037 | $13,404 | 6.30% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 93 | $30,895,000 | $332,204 | $10,930 | 7.38% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 32 | $22,790,000 | $712,188 | $7,012 | 6.69% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 31 | $17,335,000 | $559,194 | $9,393 | 7.39% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 28 | $16,050,000 | $573,214 | $10,678 | 6.56% |
| FRESNO, CA (FHA|USDA|VA) | 62 | $15,120,000 | $243,871 | $10,118 | 6.08% |
| SALINAS, CA (FHA|USDA|VA) | 32 | $12,400,000 | $387,500 | $14,300 | 5.29% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 22 | $9,400,000 | $427,273 | $9,019 | 6.74% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 17 | $9,205,000 | $541,471 | $7,412 | 7.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 18 | $8,620,000 | $478,889 | $11,411 | 7.40% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $7,635,000 | $509,000 | $8,019 | 6.72% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $6,635,000 | $510,385 | $6,601 | 6.28% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $6,605,000 | $388,529 | $8,211 | 6.95% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $6,115,000 | $1,223,000 | $21,827 | 7.68% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 17 | $5,285,000 | $310,882 | $10,558 | 6.53% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $4,065,000 | $451,667 | $11,408 | 6.90% |
| Outside of Metro Areas | 13 | $3,825,000 | $294,231 | $8,982 | 6.36% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $3,500,000 | $437,500 | $9,897 | 6.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $3,185,000 | $455,000 | $9,460 | 6.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 12 | $2,780,000 | $231,667 | $8,075 | 7.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $19,426 | 6.68% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $9,046 | 7.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $2,475,000 | $495,000 | $11,412 | 6.78% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $2,295,000 | $459,000 | $10,200 | 6.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $8,101 | 7.67% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 5 | $2,115,000 | $423,000 | $12,876 | 6.13% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $10,194 | 5.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $5,686 | 6.50% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $8,160 | 6.73% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $5,975 | 6.70% |
| MERCED, CA (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $11,673 | 6.95% |
| MADERA, CA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $14,269 | 6.68% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $8,255 | 6.65% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $18,489 | 9.00% |
| CHICO, CA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $4,612 | 5.96% |
| Fernley, NV (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $9,966 | 6.35% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $10,054 | 7.41% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $9,081 | 7.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $6,814 | 6.81% |
| Hilo, HI (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $22,962 | 7.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $18,199 | 8.38% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $9,603 | 7.13% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $8,373 | 6.76% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $7,310 | 7.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $9,130 | 7.63% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $4,245 | 6.81% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $9,765 | 7.71% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $9,441 | 4.94% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,819 | 8.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,688 | 6.81% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $14,728 | 7.46% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $6,971 | 6.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $3,856 | 6.50% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,986 | 6.63% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $14,982 | 7.81% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $15,797 | 6.31% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $29,989 | 7.13% |
| TULSA, OK (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $10,246 | 6.56% |
| SALEM, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,913 | 7.00% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $12,217 | 6.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $13,746 | 6.81% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,119 | 6.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,363 | 6.43% |
| NILES, MI (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $29,461 | 9.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $22,925 | 5.63% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,836 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $13,254 | 7.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $19,862 | 8.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,932 | 6.68% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,910 | 8.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,504 | 7.31% |
| Heber, UT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $12,993 | 7.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $14,599 | 9.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $19,623 | 9.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,651 | 7.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,374 | 6.25% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $24,699 | 6.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $18,567 | 6.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,747 | 7.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,978 | 7.44% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,601 | 6.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,903 | 7.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $5,717 | 7.79% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $16,387 | 8.13% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,785 | 6.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,567 | 7.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,879 | 7.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $15,883 | 8.75% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,076 | 8.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,769 | 5.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,094 | 6.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $18,409 | 7.13% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,410 | 8.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,938 | 5.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,453 | 7.13% |
| BEND, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,922 | 6.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,182 | 7.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,032 | 7.44% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,344 | 6.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,824 | 8.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,110 | 5.88% |
| LIMA, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $15,750 | 6.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,153 | 9.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,820 | 7.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,724 | 6.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,494 | 7.99% |
| AKRON, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,583 | 7.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $14,044 | 7.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,935 | 6.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,646 | 6.99% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,811 | 6.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,732 | 6.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,597 | 6.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,460 | 7.50% |
| Ozark, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,637 | 8.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $6,314 | 7.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,869 | 6.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,727 | 7.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,205 | 6.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,066 | 7.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,249 | 7.00% |
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Product Mix
For 2024, Bay-valley Mortgage Group's most frequently originated type of loan was Conventional, with 1,024 originations. Their 2nd most popular type was FHA, with 264 originations.
Loan Reason
For 2024, Bay-valley Mortgage Group's most frequently cited loan purpose was Home Purchase, with 1,006 originations. The 2nd most popular reason was Cash Out Refi, with 243 originations.
Loan Duration/Length
For 2024, Bay-valley Mortgage Group's most frequently cited loan duration was 30 Year, with 1,315 originations. The 2nd most popular length was 15 Year, with 44 originations.
Origination Fees/Closing Costs
Bay-valley Mortgage Group's average total fees were $12,047, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 676 originations.
Interest Rates
During 2024, Bay-valley Mortgage Group's average interest rate for loans was 6.74%, while their most frequently originated rate bucket for loans was 6-7%, with 707 originations.
Loan Sizing
2024 saw Bay-valley Mortgage Group place emphasis on $200k-400k loans with 423 originations, totaling $131,725,000 in origination value.
Applicant Income
Bay-valley Mortgage Group lent most frequently to those with incomes in the $150k-250k range, with 402 originations. The second most popular income band? $100k-150k, with 365 originations.
Applicant Debt to Income Ratio
Bay-valley Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 152 originations. The next most common DTI ratio? 50-60%, with 137 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.34%
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 origination49.74%
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 | 1,369 | $636,375,000 | $464,847 |