Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2019
In 2019, Bay-Valley Mortgage Group of Hayward, CA reported 9,141 mortgage applications totaling $3.1 billion, up 106% from 2018. The average application was for $342,779, and applicants reported an average income of $101,051. 51% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,287), Riverside-San Bernardino-Ontario, CA (1,431) and Anaheim-Santa Ana-Irvine, CA (861) (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 | 9,141 |
| Total Mortgage Loan Application Amount | $3,133,345,000 |
| Average Mortgage Loan Application Amount | $342,779 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $101,051 |
| Highest Applicant Income | $3,905,000 |
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records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 4,638 | $1,618,190,000 | $348,000 | $3,005,000 | $101,000 | $1,318,000 |
| Home Purchase | 2,610 | $1,030,000,000 | $394,000 | $2,695,000 | $117,000 | $3,905,000 |
| Cash-out Refinancing | 1,884 | $482,640,000 | $256,000 | $2,405,000 | $79,000 | $2,975,000 |
| Home Improvement | 6 | $2,140,000 | $356,000 | $755,000 | $121,000 | $292,000 |
| Other Purpose | 2 | $340,000 | $170,000 | $205,000 | $135,000 | $230,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $69,000 | $69,000 |
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 |
|---|---|---|---|---|---|---|
| White | 3,382 | $1,031,340,000 | $304,000 | $3,005,000 | $96,000 | $2,975,000 |
| Hispanic | 3,007 | $1,012,655,000 | $336,000 | $2,605,000 | $85,000 | $3,905,000 |
| Asian | 2,066 | $874,340,000 | $423,000 | $3,005,000 | $136,000 | $1,666,000 |
| Black or African American | 488 | $143,010,000 | $293,000 | $1,685,000 | $86,000 | $1,350,000 |
| Not Provided | 118 | $40,330,000 | $341,000 | $1,755,000 | $102,000 | $720,000 |
| American Indian or Alaskan Native | 34 | $10,640,000 | $312,000 | $885,000 | $90,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 28 | $12,760,000 | $455,000 | $1,205,000 | $114,000 | $297,000 |
| Not applicable | 3 | $1,145,000 | $381,000 | $575,000 | $106,000 | $210,000 |
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) | 5,283 | $1,997,515,000 | $378,000 | $3,005,000 | $121,000 | $3,905,000 |
| FHA-insured (Federal Housing Administration) | 3,610 | $1,040,500,000 | $288,000 | $865,000 | $72,000 | $338,000 |
| VA-guaranteed (Veterans Administration) | 248 | $95,330,000 | $384,000 | $1,075,000 | $82,000 | $281,000 |
| 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 | 4,689 | $1,721,575,000 | $367,000 | $2,315,000 | $109,000 | $3,905,000 |
| Application Withdrawn By Applicant | 4,244 | $1,327,210,000 | $312,000 | $3,005,000 | $92,000 | $2,975,000 |
| File Closed For Incompleteness | 96 | $39,720,000 | $413,000 | $3,005,000 | $120,000 | $835,000 |
| Application Denied By Financial Institution | 93 | $39,055,000 | $419,000 | $1,875,000 | $118,000 | $757,000 |
| Application Approved But Not Accepted | 13 | $4,205,000 | $323,000 | $905,000 | $125,000 | $534,000 |
| Preapproval Denied by Financial Institution | 6 | $1,580,000 | $263,000 | $405,000 | $105,000 | $148,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,042 | $3,092,710,000 | $342,000 | $3,005,000 | $101,000 | $3,905,000 |
| Credit History | 70 | $29,460,000 | $420,000 | $1,645,000 | $121,000 | $757,000 |
| Unverifiable Information | 15 | $5,005,000 | $333,000 | $985,000 | $72,000 | $140,000 |
| Debt-To-Income Ratio | 5 | $3,215,000 | $643,000 | $1,875,000 | $183,000 | $489,000 |
| Collateral | 4 | $1,320,000 | $330,000 | $425,000 | $182,000 | $510,000 |
| Employment History | 3 | $1,025,000 | $341,000 | $485,000 | $86,000 | $109,000 |
| Other | 2 | $610,000 | $305,000 | $375,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2019 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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