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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 4,126 | $ 1,706,340,000 | $ 413,557 | $ 126,000 |
| Riverside-San Bernardino-Ontario, CA | 2,302 | $ 725,270,000 | $ 315,060 | $ 98,000 |
| Anaheim-Santa Ana-Irvine, CA | 2,158 | $ 924,350,000 | $ 428,336 | $ 136,000 |
| Las Vegas-Henderson-Paradise, NV | 711 | $ 193,905,000 | $ 272,721 | $ 100,000 |
| Oakland-Hayward-Berkeley, CA | 334 | $ 152,230,000 | $ 455,778 | $ 166,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 324 | $ 158,190,000 | $ 488,240 | $ 167,000 |
| San Diego-Carlsbad, CA | 258 | $ 105,100,000 | $ 407,364 | $ 142,000 |
| Salinas, CA | 185 | $ 66,265,000 | $ 358,189 | $ 123,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 183 | $ 43,995,000 | $ 240,409 | $ 109,491 |
| Outside any metro area | 175 | $ 45,535,000 | $ 260,200 | $ 103,011 |
| Sacramento--Roseville--Arden-Arcade, CA | 135 | $ 44,705,000 | $ 331,148 | $ 120,000 |
| Atlanta-Sandy Springs-Roswell, GA | 125 | $ 34,255,000 | $ 274,040 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 124 | $ 30,360,000 | $ 244,838 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 104 | $ 45,860,000 | $ 440,961 | $ 146,000 |
| Reno, NV | 89 | $ 25,995,000 | $ 292,078 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 83 | $ 22,675,000 | $ 273,192 | $ 91,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 79 | $ 21,495,000 | $ 272,088 | $ 102,000 |
| Orlando-Kissimmee-Sanford, FL | 79 | $ 18,985,000 | $ 240,316 | $ 95,000 |
| Denver-Aurora-Lakewood, CO | 77 | $ 24,205,000 | $ 314,350 | $ 113,000 |
| San Francisco-Redwood City-South San Francisco, CA | 76 | $ 41,190,000 | $ 541,973 | $ 199,000 |
| Fresno, CA | 75 | $ 16,565,000 | $ 220,866 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 70 | $ 18,170,000 | $ 259,571 | $ 91,000 |
| Stockton-Lodi, CA | 67 | $ 21,415,000 | $ 319,626 | $ 124,000 |
| Bakersfield, CA | 64 | $ 13,550,000 | $ 211,718 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 59 | $ 15,315,000 | $ 259,576 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 57 | $ 15,375,000 | $ 269,736 | $ 139,000 |
| Seattle-Bellevue-Everett, WA | 50 | $ 19,960,000 | $ 399,200 | $ 117,000 |
| Milwaukee-Waukesha-West Allis, WI | 47 | $ 11,565,000 | $ 246,063 | $ 116,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 45 | $ 14,045,000 | $ 312,111 | $ 78,933 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 36 | $ 13,140,000 | $ 365,000 | $ 780,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 35 | $ 12,845,000 | $ 367,000 | $ 118,200 |
| Cape Coral-Fort Myers, FL | 34 | $ 9,260,000 | $ 272,352 | $ 120,000 |
| Modesto, CA | 34 | $ 8,980,000 | $ 264,117 | $ 81,000 |
| Dallas-Plano-Irving, TX | 31 | $ 9,555,000 | $ 308,225 | $ 112,000 |
| Vallejo-Fairfield, CA | 26 | $ 9,790,000 | $ 376,538 | $ 102,000 |
| Chattanooga, TN-GA | 25 | $ 7,205,000 | $ 288,200 | $ 132,120 |
| Austin-Round Rock, TX | 24 | $ 7,660,000 | $ 319,166 | $ 156,000 |
| North Port-Sarasota-Bradenton, FL | 24 | $ 5,630,000 | $ 234,583 | $ 91,000 |
| Anchorage, AK | 23 | $ 6,335,000 | $ 275,434 | $ 73,000 |
| Charlotte-Concord-Gastonia, NC-SC | 23 | $ 6,235,000 | $ 271,086 | $ 101,217 |
| Lake Havasu City-Kingman, AZ | 23 | $ 5,985,000 | $ 260,217 | $ 154,000 |
| Memphis, TN-MS-AR | 23 | $ 5,515,000 | $ 239,782 | $ 97,000 |
| Knoxville, TN | 22 | $ 5,170,000 | $ 235,000 | $ 101,000 |
| Jacksonville, FL | 20 | $ 4,400,000 | $ 220,000 | $ 88,000 |
| Santa Maria-Santa Barbara, CA | 20 | $ 8,020,000 | $ 401,000 | $ 119,000 |
| Colorado Springs, CO | 18 | $ 5,660,000 | $ 314,444 | $ 112,000 |
| Visalia-Porterville, CA | 18 | $ 3,510,000 | $ 195,000 | $ 62,000 |
| Salt Lake City, UT | 17 | $ 3,935,000 | $ 231,470 | $ 78,000 |
| Merced, CA | 15 | $ 3,805,000 | $ 253,666 | $ 79,000 |
| Charleston-North Charleston, SC | 14 | $ 3,240,000 | $ 231,428 | $ 92,000 |
| Green Bay, WI | 13 | $ 3,345,000 | $ 257,307 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 13 | $ 4,955,000 | $ 381,153 | $ 99,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 13 | $ 6,465,000 | $ 497,307 | $ 182,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 6,025,000 | $ 463,461 | $ 122,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 2,500,000 | $ 208,333 | $ 144,000 |
| Lakeland-Winter Haven, FL | 12 | $ 2,490,000 | $ 207,500 | $ 103,000 |
| Boise City, ID | 11 | $ 2,425,000 | $ 220,454 | $ 56,000 |
| Chicago-Naperville, IL | 11 | $ 2,695,000 | $ 245,000 | $ 81,000 |
| Port St. Lucie, FL | 11 | $ 2,695,000 | $ 245,000 | $ 122,000 |
| Rochester, MN | 11 | $ 2,535,000 | $ 230,454 | $ 106,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,395,000 | $ 308,636 | $ 131,000 |
| Santa Rosa, CA | 11 | $ 4,275,000 | $ 388,636 | $ 120,000 |
| Tucson, AZ | 11 | $ 1,775,000 | $ 161,363 | $ 141,000 |
| Greeley, CO | 10 | $ 2,670,000 | $ 267,000 | $ 86,000 |
| Raleigh, NC | 10 | $ 2,590,000 | $ 259,000 | $ 188,000 |
| Tacoma-Lakewood, WA | 10 | $ 3,380,000 | $ 338,000 | $ 105,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 2,100,000 | $ 210,000 | $ 99,000 |
| Crestview-Fort Walton Beach-Destin, FL | 9 | $ 1,745,000 | $ 193,888 | $ 66,000 |
| El Centro, CA | 8 | $ 1,420,000 | $ 177,500 | $ 52,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 1,970,000 | $ 246,250 | $ 119,000 |
| Madison, WI | 8 | $ 1,980,000 | $ 247,500 | $ 111,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,010,000 | $ 251,250 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,330,000 | $ 291,250 | $ 77,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 2,035,000 | $ 290,714 | $ 218,000 |
| Carson City, NV | 7 | $ 1,905,000 | $ 272,142 | $ 62,000 |
| Duluth, MN-WI | 7 | $ 1,845,000 | $ 263,571 | $ 129,000 |
| Flagstaff, AZ | 7 | $ 3,985,000 | $ 569,285 | $ 376,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,825,000 | $ 260,714 | $ 85,000 |
| Ogden-Clearfield, UT | 7 | $ 2,025,000 | $ 289,285 | $ 56,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 2,055,000 | $ 293,571 | $ 98,000 |
| Yuba City, CA | 7 | $ 2,005,000 | $ 286,428 | $ 120,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,470,000 | $ 245,000 | $ 123,000 |
| Killeen-Temple, TX | 6 | $ 670,000 | $ 111,666 | $ 103,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 2,400,000 | $ 400,000 | $ 185,000 |
| Fort Collins, CO | 5 | $ 1,115,000 | $ 223,000 | $ 58,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 965,000 | $ 193,000 | $ 101,000 |
| Madera, CA | 5 | $ 1,645,000 | $ 329,000 | $ 142,000 |
| Napa, CA | 5 | $ 2,285,000 | $ 457,000 | $ 184,000 |
| Provo-Orem, UT | 5 | $ 1,425,000 | $ 285,000 | $ 121,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,215,000 | $ 243,000 | $ 69,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 580,000 | $ 145,000 | $ 153,000 |
| El Paso, TX | 4 | $ 960,000 | $ 240,000 | $ 171,000 |
| Pueblo, CO | 4 | $ 740,000 | $ 185,000 | $ 59,000 |
| Richmond, VA | 4 | $ 800,000 | $ 200,000 | $ 90,000 |
| Sebastian-Vero Beach, FL | 4 | $ 920,000 | $ 230,000 | $ 80,000 |
| The Villages, FL | 4 | $ 900,000 | $ 225,000 | $ 103,000 |
| Athens-Clarke County, GA | 3 | $ 665,000 | $ 221,666 | $ 129,000 |
| Auburn-Opelika, AL | 3 | $ 695,000 | $ 231,666 | $ 80,000 |
| Bend-Redmond, OR | 3 | $ 845,000 | $ 281,666 | $ 114,000 |
| Birmingham-Hoover, AL | 3 | $ 715,000 | $ 238,333 | $ 72,000 |
| Boulder, CO | 3 | $ 955,000 | $ 318,333 | $ 115,000 |
| Charlottesville, VA | 3 | $ 1,075,000 | $ 358,333 | $ 163,000 |
| Clarksville, TN-KY | 3 | $ 725,000 | $ 241,666 | $ 107,000 |
| Coeur D'Alene, ID | 3 | $ 835,000 | $ 278,333 | $ 14,000 |
| Corvallis, OR | 3 | $ 1,275,000 | $ 425,000 | $ 49,000 |
| Flint, MI | 3 | $ 425,000 | $ 141,666 | $ 123,000 |
| Gainesville, GA | 3 | $ 765,000 | $ 255,000 | $ 121,000 |
| Grand Junction, CO | 3 | $ 725,000 | $ 241,666 | $ 73,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 555,000 | $ 185,000 | $ 94,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 935,000 | $ 311,666 | $ 180,000 |
| Olympia-Tumwater, WA | 3 | $ 965,000 | $ 321,666 | $ 131,000 |
| Savannah, GA | 3 | $ 715,000 | $ 238,333 | $ 82,000 |
| Sheboygan, WI | 3 | $ 655,000 | $ 218,333 | $ 152,000 |
| Tallahassee, FL | 3 | $ 935,000 | $ 311,666 | $ 77,000 |
| Wilmington, NC | 3 | $ 645,000 | $ 215,000 | $ 72,000 |
| Asheville, NC | 2 | $ 390,000 | $ 195,000 | $ 88,000 |
| Brunswick, GA | 2 | $ 790,000 | $ 395,000 | $ 190,000 |
| Eau Claire, WI | 2 | $ 470,000 | $ 235,000 | $ 160,000 |
| Elgin, IL | 2 | $ 470,000 | $ 235,000 | $ 164,000 |
| Eugene, OR | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| Hanford-Corcoran, CA | 2 | $ 320,000 | $ 160,000 | $ 73,000 |
| Homosassa Springs, FL | 2 | $ 330,000 | $ 165,000 | $ 112,000 |
| Jackson, TN | 2 | $ 400,000 | $ 200,000 | $ 163,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 480,000 | $ 240,000 | $ 149,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 690,000 | $ 345,000 | $ 283,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 370,000 | $ 185,000 | $ 91,000 |
| New Haven-Milford, CT | 2 | $ 510,000 | $ 255,000 | $ 164,000 |
| Ocala, FL | 2 | $ 420,000 | $ 210,000 | $ 430,000 |
| Punta Gorda, FL | 2 | $ 460,000 | $ 230,000 | $ 70,000 |
| Racine, WI | 2 | $ 510,000 | $ 255,000 | $ 102,000 |
| Redding, CA | 2 | $ 450,000 | $ 225,000 | $ 140,000 |
| Salem, OR | 2 | $ 530,000 | $ 265,000 | $ 79,000 |
| Staunton-Waynesboro, VA | 2 | $ 270,000 | $ 135,000 | $ 159,000 |
| Walla Walla, WA | 2 | $ 490,000 | $ 245,000 | $ 59,000 |
| Worcester, MA-CT | 2 | $ 250,000 | $ 125,000 | $ 41,000 |
| Ann Arbor, MI | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Beaumont-Port Arthur, TX | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 275,000 | $ 275,000 | $ 39,000 |
| Bremerton-Silverdale, WA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| College Station-Bryan, TX | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Columbia, SC | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Corpus Christi, TX | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Dover, DE | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fayetteville, NC | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| Fond Du Lac, WI | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Gainesville, FL | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Grants Pass, OR | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Hinesville, GA | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Idaho Falls, ID | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Jackson, MI | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Johnson City, TN | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Lewiston, ID-WA | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Logan, UT-ID | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Longview, WA | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Macon-Bibb County, GA | 1 | $ 215,000 | $ 215,000 | $ 38,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Mobile, AL | 1 | $ 305,000 | $ 305,000 | $ 141,000 |
| San Rafael, CA | 1 | $ 515,000 | $ 515,000 | $ 243,000 |
| Sebring, FL | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Spokane-Spokane Valley, WA | 1 | $ 145,000 | $ 145,000 | $ 141,000 |
| St. Louis, MO-IL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Twin Falls, ID | 1 | $ 215,000 | $ 215,000 | $ 115,000 |
| Yuma, AZ | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
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.
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