Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2017
In 2017, Bay-Valley Mortgage Group of Hayward, CA reported 5,018 mortgage applications totaling $1.9 billion, up 10% from 2016. The average application was for $379,259, and applicants reported an average income of $120,076. 54% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,934), Anaheim-Santa Ana-Irvine, CA (918) and Riverside-San Bernardino-Ontario, CA (829) (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 | 5,018 |
| Total Mortgage Loan Application Amount | $1,903,125,000 |
| Average Mortgage Loan Application Amount | $379,259 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $120,076 |
| Highest Applicant Income | $2,400,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,506 | $977,739,000 | $390,000 | $2,920,000 | $122,000 | $2,400,000 |
| Refinancing | 2,506 | $921,427,000 | $367,000 | $5,000,000 | $118,000 | $2,246,000 |
| Home Improvement | 6 | $3,959,000 | $659,000 | $1,300,000 | $184,000 | $409,000 |
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 | 2,581 | $1,029,434,000 | $398,000 | $2,500,000 | $130,000 | $1,852,000 |
| Hispanic | 1,167 | $368,556,000 | $315,000 | $1,300,000 | $85,000 | $510,000 |
| White | 960 | $395,356,000 | $411,000 | $5,000,000 | $140,000 | $2,400,000 |
| Black or African American | 140 | $49,049,000 | $350,000 | $2,500,000 | $105,000 | $508,000 |
| Not Provided | 129 | $44,804,000 | $347,000 | $1,000,000 | $103,000 | $473,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $10,262,000 | $410,000 | $625,000 | $140,000 | $272,000 |
| American Indian or Alaskan Native | 15 | $5,472,000 | $364,000 | $680,000 | $123,000 | $235,000 |
| Not applicable | 1 | $192,000 | $192,000 | $192,000 | $149,000 | $149,000 |
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) | 4,148 | $1,622,329,000 | $391,000 | $5,000,000 | $128,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 852 | $274,078,000 | $321,000 | $765,000 | $79,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,718,000 | $373,000 | $685,000 | $91,000 | $214,000 |
| 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 | 2,721 | $1,012,212,000 | $372,000 | $2,500,000 | $119,000 | $2,203,000 |
| Application Withdrawn By Applicant | 2,063 | $788,575,000 | $382,000 | $2,920,000 | $120,000 | $2,400,000 |
| Application Denied By Financial Institution | 149 | $60,548,000 | $406,000 | $2,500,000 | $116,000 | $633,000 |
| File Closed For Incompleteness | 81 | $39,853,000 | $492,000 | $5,000,000 | $166,000 | $2,246,000 |
| Application Approved But Not Accepted | 4 | $1,937,000 | $484,000 | $800,000 | $201,000 | $328,000 |
| 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 | 15 | $5,076,000 | $338,000 | $1,050,000 | $80,000 | $269,000 |
| Credit History | 11 | $6,089,000 | $553,000 | $2,500,000 | $156,000 | $508,000 |
| Employment History | 6 | $2,708,000 | $451,000 | $1,000,000 | $119,000 | $242,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,522,000 | $304,000 | $500,000 | $71,000 | $134,000 |
| Collateral | 4 | $1,423,000 | $355,000 | $623,000 | $110,000 | $219,000 |
| Other | 2 | $672,000 | $336,000 | $416,000 | $63,000 | $64,000 |
| Unverifiable Information | 1 | $188,000 | $188,000 | $188,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2017 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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