Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2025
In 2025, Bay-Valley Mortgage Group of Hayward, CA reported 1,768 mortgage applications totaling $906.3 million, down 16% from 2024. The average application was for $512,618, and applicants reported an average income of $94,266. 58% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (417), Riverside-San Bernardino-Ontario, CA (307) and Anaheim-Santa Ana-Irvine, CA (192) (applications in parentheses).
| Mortgage Company & Address | Bay-Valley Mortgage Group 23320 Foothill Blvd, Suite 260 Hayward, CA 94541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 1,768 |
| Total Mortgage Loan Application Amount | $906,310,000 |
| Average Mortgage Loan Application Amount | $512,618 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $94,266 |
| Highest Applicant Income | $497,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 417 | $ 241,615,000 | $ 579,412 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 307 | $ 136,175,000 | $ 443,566 | $ 94,000 |
| Anaheim-Santa Ana-Irvine, CA | 192 | $ 128,550,000 | $ 669,531 | $ 127,000 |
| Las Vegas-Henderson-Paradise, NV | 146 | $ 54,880,000 | $ 375,890 | $ 70,000 |
| Fresno, CA | 62 | $ 16,680,000 | $ 269,032 | $ 77,000 |
| Salinas, CA | 47 | $ 26,105,000 | $ 555,425 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 41 | $ 34,645,000 | $ 845,000 | $ 84,000 |
| San Diego-Carlsbad, CA | 35 | $ 26,275,000 | $ 750,714 | $ 135,000 |
| Outside any metro area | 31 | $ 19,535,000 | $ 630,161 | $ 100,838 |
| Oakland-Hayward-Berkeley, CA | 28 | $ 17,840,000 | $ 637,142 | $ 109,000 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 9,065,000 | $ 362,600 | $ 32,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 24 | $ 10,120,000 | $ 421,666 | $ 84,000 |
| Atlanta-Sandy Springs-Roswell, GA | 23 | $ 9,565,000 | $ 415,869 | $ 63,000 |
| Urban Honolulu, HI | 19 | $ 13,615,000 | $ 716,578 | $ 116,000 |
| Dallas-Plano-Irving, TX | 17 | $ 8,845,000 | $ 520,294 | $ 69,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 4,610,000 | $ 288,125 | $ 33,000 |
| San Francisco-Redwood City-South San Francisco, CA | 16 | $ 12,900,000 | $ 806,250 | $ 157,000 |
| Bakersfield, CA | 15 | $ 4,565,000 | $ 304,333 | $ 54,000 |
| Boise City, ID | 11 | $ 4,465,000 | $ 405,909 | $ 82,000 |
| Merced, CA | 11 | $ 3,725,000 | $ 338,636 | $ 154,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 6,955,000 | $ 632,272 | $ 60,000 |
| Chicago-Naperville, IL | 10 | $ 4,150,000 | $ 415,000 | $ 88,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 7,880,000 | $ 788,000 | $ 82,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 3,395,000 | $ 377,222 | $ 120,333 |
| Denver-Aurora-Lakewood, CO | 8 | $ 3,740,000 | $ 467,500 | $ 170,000 |
| Prescott Valley-Prescott, AZ | 8 | $ 4,340,000 | $ 542,500 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 4,255,000 | $ 607,857 | $ 164,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,015,000 | $ 287,857 | $ 82,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,675,000 | $ 239,285 | $ 70,000 |
| Visalia-Porterville, CA | 7 | $ 1,685,000 | $ 240,714 | $ 86,000 |
| Columbus, OH | 6 | $ 1,250,000 | $ 208,333 | $ 0 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,930,000 | $ 321,666 | $ 63,000 |
| Montgomery, AL | 6 | $ 1,310,000 | $ 218,333 | $ 31,000 |
| Reno, NV | 6 | $ 2,530,000 | $ 421,666 | $ 0 |
| Santa Cruz-Watsonville, CA | 6 | $ 3,690,000 | $ 615,000 | $ 204,000 |
| Stockton-Lodi, CA | 6 | $ 2,980,000 | $ 496,666 | $ 161,000 |
| Anchorage, AK | 5 | $ 2,125,000 | $ 425,000 | $ 61,000 |
| Arlington-Alexandria-Reston, VA-WV | 5 | $ 1,975,000 | $ 395,000 | $ 70,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 3,225,000 | $ 645,000 | $ 0 |
| Philadelphia, PA | 5 | $ 1,215,000 | $ 243,000 | $ 41,000 |
| Tacoma-Lakewood, WA | 5 | $ 2,005,000 | $ 401,000 | $ 120,000 |
| Cleveland, OH | 4 | $ 590,000 | $ 147,500 | $ 0 |
| Columbia, SC | 4 | $ 1,320,000 | $ 330,000 | $ 15,000 |
| Austin-Round Rock, TX | 3 | $ 5,875,000 | $ 1,958,333 | $ 2,000 |
| Lakewood-New Brunswick, NJ | 3 | $ 1,065,000 | $ 355,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 725,000 | $ 241,666 | $ 105,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,025,000 | $ 341,666 | $ 42,000 |
| Raleigh, NC | 3 | $ 1,005,000 | $ 335,000 | $ 30,000 |
| Richmond, VA | 3 | $ 545,000 | $ 181,666 | $ 27,000 |
| Salt Lake City, UT | 3 | $ 1,555,000 | $ 518,333 | $ 0 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,905,000 | $ 635,000 | $ 35,000 |
| Tampa, FL | 3 | $ 805,000 | $ 268,333 | $ 28,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,785,000 | $ 595,000 | $ 109,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 775,000 | $ 258,333 | $ 50,000 |
| Athens-Clarke County, GA | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,690,000 | $ 845,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 530,000 | $ 265,000 | $ 85,000 |
| Coeur D'Alene, ID | 2 | $ 2,330,000 | $ 1,165,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 970,000 | $ 485,000 | $ 53,000 |
| Columbus, GA-AL | 2 | $ 440,000 | $ 220,000 | $ 68,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 550,000 | $ 275,000 | $ 38,000 |
| Elgin, IL | 2 | $ 510,000 | $ 255,000 | $ 41,000 |
| Everett, WA | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Fayetteville, NC | 2 | $ 630,000 | $ 315,000 | $ 50,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,110,000 | $ 555,000 | $ 0 |
| Grants Pass, OR | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Hanford-Corcoran, CA | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Jacksonville, FL | 2 | $ 940,000 | $ 470,000 | $ 87,000 |
| Marietta, GA | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 380,000 | $ 190,000 | $ 73,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Salem, OR | 2 | $ 760,000 | $ 380,000 | $ 53,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,270,000 | $ 635,000 | $ 179,000 |
| Savannah, GA | 2 | $ 750,000 | $ 375,000 | $ 158,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Yuba City, CA | 2 | $ 870,000 | $ 435,000 | $ 158,000 |
| Birmingham-Hoover, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Boulder, CO | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Carson City, NV | 1 | $ 405,000 | $ 405,000 | $ 200,000 |
| Cincinnati, OH-KY-IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Dothan, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| El Centro, CA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| El Paso, TX | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Eugene, OR | 1 | $ 475,000 | $ 475,000 | $ 476,000 |
| Fairbanks, AK | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 585,000 | $ 585,000 | $ 168,000 |
| Gainesville, GA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Green Bay, WI | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 214,000 |
| Harrisburg-Carlisle, PA | 1 | $ 555,000 | $ 555,000 | $ 157,000 |
| Harrisonburg, VA | 1 | $ 565,000 | $ 565,000 | $ 128,000 |
| Jackson, TN | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| Killeen-Temple, TX | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Knoxville, TN | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Longview, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Medford, OR | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 295,000 | $ 295,000 | $ 98,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Midland, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mobile, AL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 595,000 | $ 595,000 | $ 216,000 |
| Ocala, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 385,000 | $ 385,000 | $ 179,000 |
| Provo-Orem, UT | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Redding, CA | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Spokane-Spokane Valley, WA | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Tucson, AZ | 1 | $ 325,000 | $ 325,000 | $ 142,000 |
| Victoria, TX | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Vineland-Bridgeton, NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Waco, TX | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Walla Walla, WA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Washington, DC-MD | 1 | $ 715,000 | $ 715,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Wilmington, NC | 1 | $ 745,000 | $ 745,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Bay-Valley Mortgage Group in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,022 | $513,280,000 | $502,000 | $4,005,000 | $106,000 | $487,000 |
| Cash-out Refinancing | 438 | $194,140,000 | $443,000 | $3,005,000 | $72,000 | $497,000 |
| Refinancing | 308 | $198,890,000 | $645,000 | $3,005,000 | $87,000 | $497,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 662 | $378,760,000 | $572,000 | $4,005,000 | $113,000 | $497,000 |
| Not Provided | 440 | $222,760,000 | $506,000 | $3,005,000 | $85,000 | $497,000 |
| Hispanic | 397 | $169,215,000 | $426,000 | $1,205,000 | $86,000 | $482,000 |
| White | 218 | $111,760,000 | $512,000 | $3,005,000 | $84,000 | $487,000 |
| Black or African American | 48 | $21,060,000 | $438,000 | $1,855,000 | $48,000 | $354,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,150,000 | $575,000 | $595,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $1,605,000 | $1,605,000 | $1,605,000 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,364 | $718,580,000 | $526,000 | $4,005,000 | $100,000 | $497,000 |
| FHA-insured (Federal Housing Administration) | 344 | $148,900,000 | $432,000 | $1,075,000 | $76,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 60 | $38,830,000 | $647,000 | $1,645,000 | $76,000 | $340,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,032 | $520,060,000 | $503,000 | $3,005,000 | $160,000 | $497,000 |
| Application Withdrawn By Applicant | 664 | $345,880,000 | $520,000 | $3,005,000 | $0 | $80,000 |
| File Closed For Incompleteness | 58 | $33,300,000 | $574,000 | $4,005,000 | $0 | $2,000 |
| Application Denied By Financial Institution | 14 | $7,070,000 | $505,000 | $1,605,000 | $0 | $1,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,754 | $899,240,000 | $512,000 | $4,005,000 | $95,000 | $497,000 |
| Employment History | 4 | $2,050,000 | $512,000 | $765,000 | $0 | $0 |
| Collateral | 3 | $1,435,000 | $478,000 | $755,000 | $0 | $1,000 |
| Debt-To-Income Ratio | 3 | $1,285,000 | $428,000 | $555,000 | $0 | $0 |
| Credit History | 2 | $1,750,000 | $875,000 | $1,605,000 | $0 | $0 |
| Other | 2 | $550,000 | $275,000 | $405,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bay-Valley Mortgage Group's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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