Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2009
In 2009, Bay-Valley Mortgage Group of Hayward, CA reported 3,904 mortgage applications totaling $1.2 billion. The average application was for $312,527, and applicants reported an average income of $107,391. 44% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,873), Santa Ana-Anaheim-Irvine, CA (678) and Riverside-San Bernardino-Ontario, CA (441) (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 | 3,904 |
| Total Mortgage Loan Application Amount | $1,220,107,000 |
| Average Mortgage Loan Application Amount | $312,527 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $107,391 |
| Highest Applicant Income | $6,358,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 2,021 | $685,035,000 | $338,000 | $3,000,000 | $118,000 | $6,358,000 |
| Home Purchase | 1,882 | $534,446,000 | $283,000 | $1,946,000 | $96,000 | $4,936,000 |
| Home Improvement | 1 | $626,000 | $626,000 | $626,000 | $106,000 | $106,000 |
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 | 2,040 | $657,017,000 | $322,000 | $1,946,000 | $103,000 | $1,274,000 |
| White | 785 | $270,136,000 | $344,000 | $3,000,000 | $139,000 | $6,358,000 |
| Hispanic | 750 | $184,278,000 | $245,000 | $1,073,000 | $84,000 | $4,936,000 |
| Not Provided | 255 | $86,724,000 | $340,000 | $1,345,000 | $124,000 | $1,091,000 |
| Black or African American | 48 | $14,217,000 | $296,000 | $1,000,000 | $100,000 | $286,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,273,000 | $292,000 | $478,000 | $79,000 | $281,000 |
| American Indian or Alaskan Native | 8 | $2,462,000 | $307,000 | $624,000 | $100,000 | $169,000 |
| 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) | 3,825 | $1,200,098,000 | $313,000 | $3,000,000 | $108,000 | $6,358,000 |
| FHA-insured (Federal Housing Administration) | 79 | $20,009,000 | $253,000 | $635,000 | $76,000 | $323,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,734 | $522,874,000 | $301,000 | $1,000,000 | $108,000 | $6,358,000 |
| Application Approved But Not Accepted | 1,105 | $353,361,000 | $319,000 | $1,000,000 | $108,000 | $1,091,000 |
| Application Denied By Financial Institution | 443 | $147,835,000 | $333,000 | $3,000,000 | $110,000 | $1,200,000 |
| File Closed For Incompleteness | 419 | $134,331,000 | $320,000 | $1,345,000 | $103,000 | $1,130,000 |
| Application Withdrawn By Applicant | 201 | $61,107,000 | $304,000 | $840,000 | $101,000 | $960,000 |
| Loan Purchased By The Institution | 2 | $599,000 | $299,000 | $308,000 | $94,000 | $117,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 6 | $1,624,000 | $270,000 | $417,000 | $77,000 | $107,000 |
| Collateral | 5 | $1,239,000 | $247,000 | $392,000 | $132,000 | $216,000 |
| Debt-To-Income Ratio | 4 | $1,598,000 | $399,000 | $920,000 | $130,000 | $231,000 |
| Credit History | 2 | $649,000 | $324,000 | $449,000 | $129,000 | $213,000 |
| Employment History | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2009 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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