Bay-Valley Mortgage Group in Nevada vs the state
2.5%Denial rate-14.93 pts vs state
4.3%Decision denial rate-17.96 pts vs state
56.6%Origination rate-1.11 pts vs state
6.69%Median rate+0.06 pts vs state
0.16Rate spread (pts)-0.14 pts vs state
$117kMedian applicant income
90Loans originated
4Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 124 | 1.0% | 6.50% | #85 |
| 2024 | 166 | 103 | 1.8% | 7.38% | #112 |
| 2025 | 159 | 90 | 2.5% | 6.69% | #117 |
What Bay-Valley Mortgage Group lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Bay-Valley Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 146 | 82 | 4 | 2.7% |
| Washoe County | 6 | 3 | 0 | 0.0% |
| Nye County | 3 | 2 | 0 | 0.0% |
| Douglas County | 3 | 2 | 0 | 0.0% |
| Carson City | 1 | 1 | 0 | 0.0% |
Other large lenders in Nevada
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,913 | 11.4% | 6.31% |
| Rocket Mortgage | C | 6,889 | 15.4% | 6.88% |
| Guild Mortgage | A | 5,533 | 2.6% | 6.50% |
| AMERICA FIRST Federal Credit Union | C | 3,873 | 28.6% | 7.24% |
| U.S. Bank | D | 3,745 | 40.2% | 7.65% |
| Bank of America | F | 3,296 | 35.9% | 6.24% |
| Pennymac Loan Services | C | 3,188 | 12.5% | 6.62% |
| Navy Federal Credit Union | D | 2,579 | 24.5% | 7.75% |
| Broker Solutions | D | 2,559 | 8.9% | 6.75% |
| Dhi Mortgage Company | B | 2,549 | 6.8% | 4.99% |
Frequently asked questions
Nevada: 159 applications in 2025, of which 90 were originated and 4 denied.
2.5% of all applications, or 4.3% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Bay-Valley Mortgage Group originated in Nevada in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Bay-Valley Mortgage Group's own HMDA filing for properties located in Nevada, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology