Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2020
In 2020, Bay-Valley Mortgage Group of Hayward, CA reported 13,324 mortgage applications totaling $4.9 billion, up 46% from 2019. The average application was for $365,973, and applicants reported an average income of $122,239. 64% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,126), Riverside-San Bernardino-Ontario, CA (2,302) and Anaheim-Santa Ana-Irvine, CA (2,158) (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 | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 13,324 |
| Total Mortgage Loan Application Amount | $4,876,230,000 |
| Average Mortgage Loan Application Amount | $365,973 |
| Highest Mortgage Loan Application Amount | $5,625,000 |
| Average Applicant Income | $122,239 |
| Highest Applicant Income | $8,177,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 9,874 | $3,592,160,000 | $363,000 | $5,625,000 | $123,000 | $2,016,000 |
| Home Purchase | 2,337 | $949,225,000 | $406,000 | $1,955,000 | $126,000 | $8,177,000 |
| Cash-out Refinancing | 1,021 | $323,295,000 | $316,000 | $2,065,000 | $109,000 | $1,300,000 |
| Other Purpose | 81 | $7,235,000 | $89,000 | $555,000 | $89,000 | $276,000 |
| Home Improvement | 11 | $4,315,000 | $392,000 | $565,000 | $114,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 4,717 | $1,918,215,000 | $406,000 | $3,005,000 | $140,000 | $2,016,000 |
| Hispanic | 3,335 | $1,146,395,000 | $343,000 | $1,695,000 | $95,000 | $1,396,000 |
| White | 2,672 | $941,330,000 | $352,000 | $5,625,000 | $130,000 | $1,680,000 |
| Not Provided | 2,187 | $723,885,000 | $330,000 | $1,995,000 | $110,000 | $1,606,000 |
| Black or African American | 302 | $101,580,000 | $336,000 | $1,685,000 | $180,000 | $8,177,000 |
| Native Hawaiian or Other Pacific Islander | 48 | $21,230,000 | $442,000 | $935,000 | $129,000 | $298,000 |
| American Indian or Alaskan Native | 26 | $9,520,000 | $366,000 | $1,785,000 | $115,000 | $318,000 |
| Not applicable | 12 | $3,740,000 | $311,000 | $485,000 | $36,000 | $126,000 |
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) | 11,119 | $4,098,875,000 | $368,000 | $5,625,000 | $131,000 | $8,177,000 |
| FHA-insured (Federal Housing Administration) | 1,892 | $658,190,000 | $347,000 | $945,000 | $75,000 | $756,000 |
| VA-guaranteed (Veterans Administration) | 313 | $119,165,000 | $380,000 | $885,000 | $77,000 | $477,000 |
| 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 | 8,582 | $3,182,780,000 | $370,000 | $1,505,000 | $122,000 | $2,016,000 |
| Application Withdrawn By Applicant | 4,645 | $1,655,975,000 | $356,000 | $5,625,000 | $124,000 | $8,177,000 |
| Application Denied By Financial Institution | 61 | $24,475,000 | $401,000 | $1,695,000 | $115,000 | $548,000 |
| File Closed For Incompleteness | 30 | $11,560,000 | $385,000 | $1,005,000 | $98,000 | $258,000 |
| Application Approved But Not Accepted | 6 | $1,440,000 | $240,000 | $415,000 | $85,000 | $127,000 |
| 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 | 13,263 | $4,851,755,000 | $365,000 | $5,625,000 | $123,000 | $8,177,000 |
| Other | 36 | $14,360,000 | $398,000 | $885,000 | $103,000 | $312,000 |
| Debt-To-Income Ratio | 10 | $5,150,000 | $515,000 | $1,695,000 | $107,000 | $301,000 |
| Credit History | 7 | $2,115,000 | $302,000 | $495,000 | $96,000 | $157,000 |
| Unverifiable Information | 5 | $1,465,000 | $293,000 | $355,000 | $111,000 | $189,000 |
| Mortgage Insurance Denied | 3 | $1,385,000 | $461,000 | $915,000 | $322,000 | $548,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2020 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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