Bay-Valley Mortgage Group at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th1.3% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.07 ptsProcesswithdrawn + incomplete share, weight 15%
3rd40.8%Closing coststotal loan costs ÷ loan amount, weight 10%
59th2.11% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,168 | 1,245 | 0.5% | 0.9% | 6.75% | $570M |
| 2024 | 2,108 | 1,369 | 0.7% | 1.0% | 6.75% | $636M |
| 2025 | 1,768 | 1,032 | 0.8% | 1.3% | 6.63% | $520M |
What Bay-Valley Mortgage Group lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 9 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 275 investment properties.
Why Bay-Valley Mortgage Group denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bay-Valley Mortgage Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 129 | 79 | 1.3% |
| $50k – $100k | 152 | 151 | 0.0% |
| $100k – $150k | 280 | 280 | 0.0% |
| $150k – $250k | 315 | 315 | 0.0% |
| Over $250k | 142 | 142 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 52 | 25 | 7.4% |
| 25–34 | 336 | 206 | 1.4% |
| 35–44 | 454 | 286 | 1.0% |
| 45–54 | 473 | 278 | 0.7% |
| 55–64 | 309 | 153 | 1.3% |
| 65–74 | 112 | 67 | 1.5% |
| Over 74 | 32 | 17 | 5.6% |
Where Bay-Valley Mortgage Group lends
30 states and 206 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,242 | 774 | 0.6% | 6.63% | #148 |
| Nevada | 159 | 90 | 2.5% | 6.69% | #117 |
| Texas | 53 | 21 | 0.0% | 6.75% | #701 |
| Arizona | 41 | 22 | 0.0% | 7.13% | #336 |
| Georgia | 37 | 20 | 0.0% | 6.63% | #484 |
| Hawaii | 26 | 9 | 0.0% | 6.88% | #120 |
| Washington | 23 | 14 | 0.0% | 7.25% | #373 |
| Florida | 21 | 7 | 0.0% | 7.25% | #749 |
| Oregon | 16 | 6 | 0.0% | 7.13% | #314 |
| Idaho | 14 | 7 | 7.1% | 6.38% | #246 |
| Illinois | 13 | 6 | 0.0% | 7.44% | #645 |
| Ohio | 13 | 0 | 0.0% | — | #586 |
| Tennessee | 13 | 12 | 0.0% | 6.75% | #602 |
| Colorado | 12 | 8 | 0.0% | 6.38% | #479 |
| Virginia | 10 | 5 | 0.0% | 6.63% | #572 |
| Alabama | 9 | 2 | 0.0% | 7.06% | #488 |
| North Carolina | 9 | 5 | 0.0% | 6.25% | #655 |
| Pennsylvania | 9 | 5 | 11.1% | 6.88% | #707 |
| New Jersey | 8 | 2 | 0.0% | 6.94% | #557 |
| Alaska | 6 | 4 | 0.0% | 6.81% | #130 |
| Michigan | 6 | 4 | 0.0% | 7.31% | #567 |
| South Carolina | 6 | 3 | 0.0% | 6.88% | #615 |
| Utah | 6 | 1 | 0.0% | 7.63% | #318 |
| Maryland | 5 | 1 | 0.0% | 7.13% | #540 |
Frequently asked questions
Bay-Valley Mortgage Group denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of mid-size mortgage lenders.
The most common reason Bay-Valley Mortgage Group gave in 2025 was "employment history", cited on 28.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bay-Valley Mortgage Group originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was -0.07 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 58% of its applications were for home purchases, 42% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 77% conventional, 19% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.