Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2014
In 2014, Bay-Valley Mortgage Group of Hayward, CA reported 1,120 mortgage applications totaling $380.0 million, down 60% from 2013. The average application was for $339,296, and applicants reported an average income of $119,119. 76% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (510), Anaheim-Santa Ana-Irvine, CA (249) and Riverside-San Bernardino-Ontario, CA (107) (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 | 1,120 |
| Total Mortgage Loan Application Amount | $380,012,000 |
| Average Mortgage Loan Application Amount | $339,296 |
| Highest Mortgage Loan Application Amount | $1,382,000 |
| Average Applicant Income | $119,119 |
| Highest Applicant Income | $1,548,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 570 | $189,902,000 | $333,000 | $1,382,000 | $117,000 | $748,000 |
| Home Purchase | 542 | $188,878,000 | $348,000 | $1,000,000 | $122,000 | $1,548,000 |
| Home Improvement | 8 | $1,232,000 | $154,000 | $212,000 | $75,000 | $153,000 |
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 | 800 | $273,028,000 | $341,000 | $1,382,000 | $120,000 | $1,548,000 |
| White | 157 | $55,591,000 | $354,000 | $950,000 | $125,000 | $650,000 |
| Hispanic | 98 | $30,221,000 | $308,000 | $728,000 | $97,000 | $303,000 |
| Not Provided | 39 | $13,140,000 | $336,000 | $625,000 | $122,000 | $428,000 |
| Black or African American | 14 | $4,066,000 | $290,000 | $406,000 | $115,000 | $302,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,538,000 | $317,000 | $544,000 | $122,000 | $235,000 |
| American Indian or Alaskan Native | 4 | $1,428,000 | $357,000 | $626,000 | $143,000 | $227,000 |
| 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) | 1,104 | $374,338,000 | $339,000 | $1,382,000 | $119,000 | $1,548,000 |
| FHA-insured (Federal Housing Administration) | 16 | $5,674,000 | $354,000 | $658,000 | $112,000 | $261,000 |
| 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 | 848 | $283,792,000 | $334,000 | $900,000 | $118,000 | $1,548,000 |
| Application Denied By Financial Institution | 156 | $54,772,000 | $351,000 | $1,382,000 | $122,000 | $707,000 |
| File Closed For Incompleteness | 42 | $13,329,000 | $317,000 | $658,000 | $103,000 | $247,000 |
| Application Withdrawn By Applicant | 38 | $14,302,000 | $376,000 | $950,000 | $130,000 | $351,000 |
| Application Approved But Not Accepted | 36 | $13,817,000 | $383,000 | $801,000 | $137,000 | $721,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 97 | $34,575,000 | $356,000 | $1,382,000 | $137,000 | $707,000 |
| Debt-To-Income Ratio | 22 | $7,421,000 | $337,000 | $768,000 | $75,000 | $221,000 |
| Credit History | 8 | $3,023,000 | $377,000 | $886,000 | $118,000 | $337,000 |
| Employment History | 5 | $1,952,000 | $390,000 | $480,000 | $122,000 | $195,000 |
| Collateral | 4 | $1,454,000 | $363,000 | $548,000 | $151,000 | $214,000 |
| Unverifiable Information | 2 | $388,000 | $194,000 | $226,000 | $124,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $413,000 | $413,000 | $413,000 | $117,000 | $117,000 |
| Mortgage Insurance Denied | 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 2014 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About