Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2023
In 2023, Bay-Valley Mortgage Group of Hayward, CA reported 2,168 mortgage applications totaling $1.0 billion. The average application was for $475,186, and applicants reported an average income of $189,437. 57% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (525), Riverside-San Bernardino-Ontario, CA (454) and Las Vegas-Henderson-Paradise, NV (202) (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 | 2,168 |
| Total Mortgage Loan Application Amount | $1,030,205,000 |
| Average Mortgage Loan Application Amount | $475,186 |
| Highest Mortgage Loan Application Amount | $5,955,000 |
| Average Applicant Income | $189,437 |
| Highest Applicant Income | $6,287,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Bay-Valley Mortgage Group in 2023
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 | 1,659 | $790,370,000 | $476,000 | $3,055,000 | $177,000 | $6,287,000 |
| Cash-out Refinancing | 367 | $162,705,000 | $443,000 | $5,955,000 | $230,000 | $5,042,000 |
| Refinancing | 131 | $77,075,000 | $588,000 | $2,405,000 | $242,000 | $2,585,000 |
| Other Purpose | 11 | $55,000 | $5,000 | $5,000 | $86,000 | $190,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 615 | $249,140,000 | $405,000 | $2,565,000 | $144,000 | $6,287,000 |
| Asian | 596 | $319,750,000 | $536,000 | $5,955,000 | $215,000 | $4,581,000 |
| Not Provided | 554 | $263,990,000 | $476,000 | $3,025,000 | $209,000 | $5,042,000 |
| White | 272 | $139,090,000 | $511,000 | $5,505,000 | $215,000 | $3,239,000 |
| Black or African American | 100 | $46,860,000 | $468,000 | $2,405,000 | $142,000 | $816,000 |
| American Indian or Alaskan Native | 5 | $1,235,000 | $247,000 | $445,000 | $123,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,920,000 | $480,000 | $495,000 | $136,000 | $179,000 |
| 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) | 1,675 | $802,590,000 | $479,000 | $5,955,000 | $210,000 | $6,287,000 |
| FHA-insured (Federal Housing Administration) | 445 | $201,015,000 | $451,000 | $1,115,000 | $119,000 | $331,000 |
| VA-guaranteed (Veterans Administration) | 47 | $26,275,000 | $559,000 | $1,165,000 | $135,000 | $835,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $325,000 | $325,000 | $325,000 | $74,000 | $74,000 |
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 | 1,245 | $570,285,000 | $458,000 | $1,855,000 | $177,000 | $5,042,000 |
| Application Withdrawn By Applicant | 830 | $419,115,000 | $505,000 | $5,955,000 | $211,000 | $6,287,000 |
| File Closed For Incompleteness | 82 | $37,070,000 | $452,000 | $2,505,000 | $167,000 | $1,500,000 |
| Application Denied By Financial Institution | 11 | $3,735,000 | $339,000 | $805,000 | $103,000 | $250,000 |
| 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 | 2,157 | $1,026,470,000 | $476,000 | $5,955,000 | $190,000 | $6,287,000 |
| Debt-To-Income Ratio | 3 | $905,000 | $301,000 | $385,000 | $93,000 | $112,000 |
| Employment History | 2 | $630,000 | $315,000 | $325,000 | $84,000 | $102,000 |
| Collateral | 2 | $520,000 | $260,000 | $305,000 | $86,000 | $107,000 |
| Credit History | 2 | $720,000 | $360,000 | $565,000 | $155,000 | $250,000 |
| Other | 1 | $805,000 | $805,000 | $805,000 | $170,000 | $170,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2023 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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