Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2016
In 2016, Bay-Valley Mortgage Group of Hayward, CA reported 4,563 mortgage applications totaling $1.7 billion, up 80% from 2015. The average application was for $370,624, and applicants reported an average income of $125,105. 64% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,869), Anaheim-Santa Ana-Irvine, CA (1,143) and Riverside-San Bernardino-Ontario, CA (582) (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 | 4,563 |
| Total Mortgage Loan Application Amount | $1,691,161,000 |
| Average Mortgage Loan Application Amount | $370,624 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $125,105 |
| Highest Applicant Income | $2,454,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 2,955 | $1,063,038,000 | $359,000 | $1,701,000 | $123,000 | $2,454,000 |
| Home Purchase | 1,604 | $626,751,000 | $390,000 | $1,950,000 | $129,000 | $1,152,000 |
| Home Improvement | 4 | $1,372,000 | $343,000 | $525,000 | $119,000 | $189,000 |
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 | 2,975 | $1,134,960,000 | $381,000 | $1,950,000 | $129,000 | $1,857,000 |
| White | 719 | $276,841,000 | $385,000 | $1,760,000 | $147,000 | $2,454,000 |
| Hispanic | 679 | $209,434,000 | $308,000 | $1,040,000 | $87,000 | $692,000 |
| Black or African American | 75 | $26,579,000 | $354,000 | $859,000 | $111,000 | $1,139,000 |
| Not Provided | 68 | $25,543,000 | $375,000 | $1,500,000 | $121,000 | $448,000 |
| Native Hawaiin or Other Pacific Islander | 30 | $11,803,000 | $393,000 | $780,000 | $142,000 | $529,000 |
| American Indian or Alaskan Native | 16 | $5,711,000 | $356,000 | $714,000 | $135,000 | $277,000 |
| Not applicable | 1 | $290,000 | $290,000 | $290,000 | $61,000 | $61,000 |
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) | 4,123 | $1,545,359,000 | $374,000 | $1,950,000 | $131,000 | $2,454,000 |
| FHA-insured (Federal Housing Administration) | 414 | $137,402,000 | $331,000 | $626,000 | $76,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 26 | $8,400,000 | $323,000 | $657,000 | $84,000 | $204,000 |
| 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 | 2,936 | $1,077,304,000 | $366,000 | $1,760,000 | $126,000 | $1,857,000 |
| Application Withdrawn By Applicant | 1,475 | $554,826,000 | $376,000 | $1,950,000 | $125,000 | $2,454,000 |
| Application Denied By Financial Institution | 138 | $54,046,000 | $391,000 | $1,440,000 | $123,000 | $879,000 |
| File Closed For Incompleteness | 13 | $4,587,000 | $352,000 | $540,000 | $90,000 | $132,000 |
| Application Approved But Not Accepted | 1 | $398,000 | $398,000 | $398,000 | $102,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $6,077,000 | $405,000 | $650,000 | $150,000 | $506,000 |
| Unverifiable Information | 12 | $4,311,000 | $359,000 | $626,000 | $159,000 | $879,000 |
| Debt-To-Income Ratio | 9 | $3,773,000 | $419,000 | $840,000 | $109,000 | $228,000 |
| Other | 8 | $2,642,000 | $330,000 | $523,000 | $99,000 | $174,000 |
| Collateral | 8 | $2,954,000 | $369,000 | $1,440,000 | $113,000 | $332,000 |
| Employment History | 1 | $575,000 | $575,000 | $575,000 | $117,000 | $117,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2016 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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