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 and Refi loans. Bay-valley Mortgage Group has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, Las Vegas, and San Jose among others. We have data for 96 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 an average 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.82% | 4/17/25 |
| 30 Year Conventional Purchase | 6.57% | 4/17/25 |
| 30 Year Conventional Refi | 6.81% | 4/17/25 |
| 30 Year Cash-out Refi | 7.66% | 4/17/25 |
| 30 Year FHA Purchase | 7.38% | 4/17/25 |
| 30 Year FHA Refi | 7.26% | 4/17/25 |
| 30 Year VA Purchase | 6.30% | 4/17/25 |
| 30 Year VA Refi | 6.32% | 4/17/25 |
| 15 Year Conventional Purchase | 7.05% | 4/17/25 |
| 15 Year Conventional Refi | 5.85% | 4/17/25 |
| 15 Year Cash-out Refi | 5.85% | 4/17/25 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,305Origination Dollar Volume (All Markets)
$833,885,000Top 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) | 1,037 | $445,035,000 | $429,156 | $9,324 | 4.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 566 | $173,130,000 | $305,883 | $8,870 | 4.85% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 83 | $39,315,000 | $473,675 | $9,797 | 4.74% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 129 | $31,815,000 | $246,628 | $8,148 | 4.82% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 41 | $22,775,000 | $555,488 | $9,893 | 4.76% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 38 | $15,440,000 | $406,316 | $7,624 | 4.74% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 28 | $8,630,000 | $308,214 | $7,716 | 4.82% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 18 | $7,190,000 | $399,444 | $10,120 | 4.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $5,920,000 | $227,692 | $6,148 | 4.71% |
| ANCHORAGE, AK (FHA|USDA|VA) | 25 | $5,685,000 | $227,400 | $10,078 | 4.46% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $5,270,000 | $329,375 | $10,543 | 4.52% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 19 | $4,985,000 | $262,368 | $9,608 | 4.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 19 | $4,625,000 | $243,421 | $8,521 | 4.60% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 15 | $4,505,000 | $300,333 | $8,315 | 4.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $4,465,000 | $893,000 | $15,970 | 5.35% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 21 | $4,035,000 | $192,143 | $7,337 | 4.72% |
| RENO, NV (FHA|USDA|VA) | 13 | $3,585,000 | $275,769 | $8,979 | 4.42% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 15 | $2,805,000 | $187,000 | $9,169 | 4.62% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 12 | $2,800,000 | $233,333 | $7,954 | 4.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $2,685,000 | $206,538 | $7,362 | 4.86% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 12 | $2,620,000 | $218,333 | $7,471 | 5.00% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $6,980 | 5.06% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $1,860,000 | $186,000 | $8,632 | 4.89% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $7,235 | 4.79% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $12,031 | 4.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $7,172 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $10,900 | 5.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $7,959 | 6.04% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $7,108 | 4.82% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $9,269 | 4.90% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $9,134 | 4.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $8,308 | 4.97% |
| MERCED, CA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,410 | 5.19% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $14,294 | 4.56% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $8,949 | 4.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $7,758 | 5.13% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $5,831 | 4.47% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,179 | 4.92% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,659 | 5.25% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $13,165 | 5.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,170 | 5.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,177 | 5.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,445 | 5.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,319 | 4.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,603 | 5.19% |
| Outside of Metro Areas | 2 | $390,000 | $195,000 | $7,969 | 4.75% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,658 | 4.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,133 | 4.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,969 | 4.38% |
| Fernley, NV (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,731 | 4.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $9,425 | 4.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,142 | 5.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,870 | 4.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,222 | 4.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,433 | 5.88% |
| Juneau, AK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,159 | 4.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,949 | 5.38% |
| SALEM, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,474 | 4.63% |
| Brookings, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 5.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,124 | 4.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,580 | 4.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,140 | 4.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,930 | 5.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,574 | 5.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,091 | 4.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,959 | 4.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,493 | 4.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,080 | 4.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,240 | 4.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,515 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,149 | 3.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,330 | 5.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,146 | 4.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,712 | 5.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,929 | 5.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,984 | 5.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,538 | 5.25% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,783 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,222 | 5.00% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,639 | 4.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,637 | 5.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,640 | 5.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,327 | 5.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,023 | 5.75% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.25% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,297 | 4.88% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,112 | 5.63% |
| Bay City, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,129 | 4.50% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,291 | 4.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,886 | 5.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $8,193 | 5.25% |
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Product Mix
For 2018, Bay-valley Mortgage Group's most frequently originated type of loan was Conventional, with 1,599 originations. Their 2nd most popular type was FHA, with 674 originations.
Loan Reason
For 2018, Bay-valley Mortgage Group's most frequently cited loan purpose was Home Purchase, with 1,218 originations. The 2nd most popular reason was Refi, with 874 originations.
Loan Duration/Length
For 2018, Bay-valley Mortgage Group's most frequently cited loan duration was 30 Year, with 2,183 originations. The 2nd most popular length was 15 Year, with 60 originations.
Origination Fees/Closing Costs
Bay-valley Mortgage Group's average total fees were $9,130, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 719 originations.
Interest Rates
During 2018, Bay-valley Mortgage Group's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 4-5%, with 1,504 originations.
Loan Sizing
2018 saw Bay-valley Mortgage Group place emphasis on $200k-400k loans with 1,171 originations, totaling $345,365,000 in origination value.
Applicant Income
Bay-valley Mortgage Group lent most frequently to those with incomes in the $100k-150k range, with 552 originations. The second most popular income band? $75k-100k, with 520 originations.
Applicant Debt to Income Ratio
Bay-valley Mortgage Group lent most frequently to those with DTI ratios of 50-60%, with 283 originations. The next most common DTI ratio? 30-36%, with 241 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.11%
Bay-valley Mortgage Group has an average approval rate.
Pick Rate
Approvals leading to origination33.19%
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 | 2,305 | $833,885,000 | $361,772 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,305 | $833,885,000 | $361,772 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BAY VALLEY MORTGAGE GROUP | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| BAY VALLEY MORTGAGE GROUP | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |