Bay-Valley Mortgage Group in California vs the state
0.6%Denial rate-16.78 pts vs state
1.0%Decision denial rate-21.38 pts vs state
62.3%Origination rate+6.12 pts vs state
6.63%Median rate0.00 pts vs state
-0.13Rate spread (pts)-0.40 pts vs state
$149kMedian applicant income
774Loans originated
8Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,503 | 895 | 0.4% | 6.75% | #100 |
| 2024 | 1,453 | 958 | 0.6% | 6.63% | #116 |
| 2025 | 1,242 | 774 | 0.6% | 6.63% | #148 |
What Bay-Valley Mortgage Group lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Bay-Valley Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 417 | 270 | 4 | 1.0% |
| Orange County | 192 | 133 | 0 | 0.0% |
| San Bernardino County | 173 | 116 | 1 | 0.6% |
| Riverside County | 134 | 69 | 1 | 0.7% |
| Fresno County | 60 | 39 | 2 | 3.3% |
| Monterey County | 47 | 23 | 0 | 0.0% |
| Santa Clara County | 35 | 19 | 0 | 0.0% |
| San Diego County | 35 | 23 | 0 | 0.0% |
| Alameda County | 18 | 12 | 0 | 0.0% |
| Kern County | 15 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,242 applications in 2025, of which 774 were originated and 8 denied.
0.6% of all applications, or 1.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Bay-Valley Mortgage Group originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bay-Valley Mortgage Group's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology