Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2012
In 2012, Bay-Valley Mortgage Group of Hayward, CA reported 3,685 mortgage applications totaling $1.2 billion, up 54% from 2011. The average application was for $313,572, and applicants reported an average income of $118,441. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,679), Santa Ana-Anaheim-Irvine, CA (1,007) and Riverside-San Bernardino-Ontario, CA (281) (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 | 3,685 |
| Total Mortgage Loan Application Amount | $1,155,514,000 |
| Average Mortgage Loan Application Amount | $313,572 |
| Highest Mortgage Loan Application Amount | $1,380,000 |
| Average Applicant Income | $118,441 |
| Highest Applicant Income | $3,447,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 2,616 | $850,763,000 | $325,000 | $1,380,000 | $122,000 | $3,447,000 |
| Home Purchase | 1,054 | $300,858,000 | $285,000 | $1,278,000 | $110,000 | $1,297,000 |
| Home Improvement | 15 | $3,893,000 | $259,000 | $445,000 | $91,000 | $232,000 |
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 | 2,705 | $832,116,000 | $307,000 | $1,000,000 | $115,000 | $3,447,000 |
| White | 582 | $197,302,000 | $339,000 | $1,350,000 | $137,000 | $946,000 |
| Hispanic | 169 | $44,773,000 | $264,000 | $620,000 | $94,000 | $771,000 |
| Not Provided | 161 | $59,059,000 | $366,000 | $1,380,000 | $131,000 | $653,000 |
| Black or African American | 31 | $9,200,000 | $296,000 | $617,000 | $106,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $10,163,000 | $338,000 | $625,000 | $133,000 | $407,000 |
| American Indian or Alaskan Native | 7 | $2,901,000 | $414,000 | $707,000 | $98,000 | $174,000 |
| 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) | 3,590 | $1,127,672,000 | $314,000 | $1,380,000 | $120,000 | $3,447,000 |
| FHA-insured (Federal Housing Administration) | 95 | $27,842,000 | $293,000 | $707,000 | $64,000 | $280,000 |
| 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 | 2,397 | $744,104,000 | $310,000 | $1,350,000 | $118,000 | $3,447,000 |
| Application Approved But Not Accepted | 562 | $179,827,000 | $319,000 | $1,000,000 | $121,000 | $946,000 |
| File Closed For Incompleteness | 317 | $100,586,000 | $317,000 | $1,380,000 | $105,000 | $654,000 |
| Application Denied By Financial Institution | 306 | $96,548,000 | $315,000 | $1,278,000 | $119,000 | $1,297,000 |
| Application Withdrawn By Applicant | 103 | $34,449,000 | $334,000 | $780,000 | $151,000 | $3,447,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 48 | $16,288,000 | $339,000 | $940,000 | $109,000 | $360,000 |
| Other | 16 | $4,568,000 | $285,000 | $626,000 | $100,000 | $436,000 |
| Collateral | 15 | $4,646,000 | $309,000 | $707,000 | $83,000 | $174,000 |
| Employment History | 9 | $2,049,000 | $227,000 | $360,000 | $60,000 | $109,000 |
| Credit History | 6 | $1,524,000 | $254,000 | $298,000 | $71,000 | $135,000 |
| Unverifiable Information | 2 | $490,000 | $245,000 | $290,000 | $70,000 | $71,000 |
| Mortgage Insurance Denied | 1 | $390,000 | $390,000 | $390,000 | $168,000 | $168,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $362,000 | $362,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2012 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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