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 small mortgage company specializing in Refi and 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 Francisco, and San Jose among others. We have data for 141 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.
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Originations
4,689Origination Dollar Volume (All Markets)
$1,721,575,000Awards
BAY-VALLEY MORTGAGE GROUP - 2019
BAY-VALLEY MORTGAGE GROUP is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 2,239 | $952,575,000 | $425,447 | $8,142 | 4.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1,035 | $326,655,000 | $315,609 | $8,815 | 4.26% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 242 | $64,040,000 | $264,628 | $7,965 | 4.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 114 | $57,790,000 | $506,930 | $9,405 | 4.29% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 87 | $48,225,000 | $554,310 | $7,842 | 4.20% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 79 | $34,165,000 | $432,468 | $7,973 | 4.43% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 48 | $15,530,000 | $323,542 | $7,531 | 4.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 49 | $12,765,000 | $260,510 | $9,725 | 4.15% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 28 | $12,550,000 | $448,214 | $9,570 | 4.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 50 | $11,800,000 | $236,000 | $6,318 | 4.09% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 29 | $9,655,000 | $332,931 | $8,771 | 4.40% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 41 | $8,925,000 | $217,683 | $8,931 | 4.19% |
| STOCKTON, CA (FHA|USDA|VA) | 29 | $8,555,000 | $295,000 | $7,313 | 4.24% |
| FRESNO, CA (FHA|USDA|VA) | 41 | $8,495,000 | $207,195 | $8,324 | 4.12% |
| SALINAS, CA (FHA|USDA|VA) | 16 | $7,750,000 | $484,375 | $10,617 | 4.16% |
| RENO, NV (FHA|USDA|VA) | 26 | $7,140,000 | $274,615 | $8,224 | 4.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 24 | $7,080,000 | $295,000 | $8,300 | 4.10% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 30 | $7,010,000 | $233,667 | $6,958 | 4.42% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 28 | $6,940,000 | $247,857 | $7,644 | 4.35% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $5,840,000 | $292,000 | $6,702 | 4.13% |
| ANCHORAGE, AK (FHA|USDA|VA) | 21 | $5,555,000 | $264,524 | $8,218 | 3.86% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 12 | $4,160,000 | $346,667 | $9,149 | 4.40% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 13 | $3,855,000 | $296,538 | $8,912 | 4.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $3,770,000 | $269,286 | $7,222 | 4.78% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $3,680,000 | $262,857 | $7,242 | 4.09% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $3,665,000 | $281,923 | $10,003 | 3.94% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 16 | $3,660,000 | $228,750 | $7,904 | 4.47% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,650,000 | $365,000 | $9,409 | 4.01% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 17 | $3,255,000 | $191,471 | $9,571 | 4.22% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 11 | $3,235,000 | $294,091 | $8,485 | 4.49% |
| Outside of Metro Areas | 15 | $2,945,000 | $196,333 | $7,581 | 4.62% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,485,000 | $225,909 | $8,285 | 4.05% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $9,425 | 4.24% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 11 | $2,195,000 | $199,545 | $8,548 | 4.32% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $7,202 | 4.48% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $10,664 | 4.27% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $6,533 | 4.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $6,810 | 4.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $7,934 | 4.04% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $5,778 | 4.05% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $8,821 | 3.68% |
| MADERA, CA (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $8,684 | 4.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $13,080 | 4.58% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $7,275 | 4.21% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $9,419 | 3.90% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $8,518 | 3.63% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $9,116 | 4.10% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $10,519 | 4.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $13,953 | 3.84% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $9,374 | 4.33% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $7,403 | 3.72% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $6,704 | 4.03% |
| Pahrump, NV (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $6,871 | 4.53% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,204 | 3.71% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $10,033 | 3.94% |
| RACINE, WI (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,382 | 4.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $9,149 | 4.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $6,827 | 4.06% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,621 | 3.83% |
| MADISON, WI (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,222 | 4.94% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,444 | 4.17% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,675 | 4.13% |
| Fernley, NV (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $8,721 | 3.63% |
| Edwards, CO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $10,154 | 3.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,215 | 3.63% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,682 | 3.81% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,316 | 4.50% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,664 | 3.79% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $9,021 | 4.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,308 | 4.44% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,517 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,749 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,546 | 4.31% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,266 | 4.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,383 | 4.13% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,577 | 3.88% |
| MERCED, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,641 | 5.13% |
| CHICO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,996 | 4.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,891 | 4.19% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $11,531 | 4.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,111 | 4.31% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,799 | 4.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,424 | 4.44% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,628 | 4.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,904 | 4.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,125 | 3.94% |
| BEND, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,316 | 4.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,271 | 4.25% |
| Winnemucca, NV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,725 | 4.69% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,727 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,540 | 5.56% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,165 | 4.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,078 | 3.75% |
| Elko, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,464 | 5.63% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,310 | 3.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,800 | 5.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,573 | 5.25% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,825 | 3.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,731 | 3.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,062 | 4.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,255 | 4.13% |
| Payson, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,520 | 4.25% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,222 | 7.03% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,136 | 4.00% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $15,762 | 5.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,921 | 4.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,699 | 4.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,257 | 5.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,513 | 4.88% |
| Platteville, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,089 | 5.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,096 | 3.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,372 | 4.88% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,338 | 4.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,450 | 5.50% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,967 | 4.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,209 | 3.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,342 | 3.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,471 | 4.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,678 | 4.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,875 | 4.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,915 | 4.63% |
| Holland, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,452 | 4.75% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,279 | 4.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,196 | 4.63% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,847 | 4.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,329 | 3.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,440 | 5.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,275 | 4.13% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,965 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,861 | 4.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,644 | 3.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,621 | 3.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,082 | 4.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,784 | 3.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,474 | 4.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,617 | 3.50% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,344 | 5.63% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,898 | 3.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,315 | 5.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,770 | 4.50% |
| NILES, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,612 | 3.88% |
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Product Mix
For 2019, Bay-valley Mortgage Group's most frequently originated type of loan was Conventional, with 3,138 originations. Their 2nd most popular type was FHA, with 1,422 originations.
Loan Reason
For 2019, Bay-valley Mortgage Group's most frequently cited loan purpose was Refi, with 2,779 originations. The 2nd most popular reason was Home Purchase, with 1,697 originations.
Loan Duration/Length
For 2019, Bay-valley Mortgage Group's most frequently cited loan duration was 30 Year, with 4,204 originations. The 2nd most popular length was Other, with 200 originations.
Origination Fees/Closing Costs
Bay-valley Mortgage Group's average total fees were $8,475, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,369 originations.
Interest Rates
During 2019, Bay-valley Mortgage Group's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 3-4%, with 2,289 originations.
Loan Sizing
2019 saw Bay-valley Mortgage Group place emphasis on $200k-400k loans with 2,416 originations, totaling $720,380,000 in origination value.
Applicant Income
Bay-valley Mortgage Group lent most frequently to those with incomes in the $100k-150k range, with 1,202 originations. The second most popular income band? $75k-100k, with 1,056 originations.
Applicant Debt to Income Ratio
Bay-valley Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 547 originations. The next most common DTI ratio? 50-60%, with 494 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.98%
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 origination9.21%
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 | 4,689 | $1,721,575,000 | $367,152 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 4,689 | $1,721,575,000 | $367,152 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BAY VALLEY MORTGAGE GROUP | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| BAY VALLEY MORTGAGE GROUP | VA mortgage | Closing on a mortgage | 1 | 50.0% |