Bay-Valley Mortgage Group mortgage approval rate & lending review
Bay-Valley Mortgage Group decided 3,579 mortgage applications and funded 3,541 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bay-Valley Mortgage Group reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bay-Valley Mortgage Group at a glance
Approval is 15.3 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 2,250 / 2,276 | 100% | $485K | 2,250 |
| Cash-out refinance | 98% | 438 / 447 | 100% | $355K | 438 |
| Refinance | 100% | 250 / 251 | 100% | $555K | 250 |
| Investment property purchase | 100% | 409 / 410 | 100% | $335K | 409 |
| Investment cash-out refinance | 99% | 140 / 141 | 100% | $355K | 140 |
| Investment refinance | 100% | 54 / 54 | 100% | $485K | 54 |
Bay-Valley Mortgage Group lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 99% | $605K | 2,622 | 2,599 |
| Nevada | 97% | $385K | 311 | 302 |
| Arizona | 99% | $335K | 101 | 100 |
| Texas | 99% | $255K | 95 | 94 |
| Washington | 100% | $405K | 53 | 53 |
| Georgia | 100% | $385K | 50 | 50 |
| Florida | 100% | $285K | 37 | 37 |
| Colorado | 100% | $465K | 27 | 27 |
| Hawaii | 100% | $715K | 27 | 27 |
| Illinois | 96% | $135K | 27 | 26 |
| Tennessee | 100% | $335K | 24 | 24 |
| North Carolina | 100% | $375K | 23 | 23 |
| Oregon | 100% | $415K | 21 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bay-Valley Mortgage Group lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 99% | 588 | 582 |
| San Bernardino County, CA | Mortgage lenders | 100% | 294 | 293 |
| Orange County, CA | Mortgage lenders | 100% | 236 | 236 |
| Riverside County, CA | Mortgage lenders | 98% | 241 | 235 |
| Fresno County, CA | Mortgage lenders | 98% | 122 | 120 |
| Clark County, NV | Investment property purchase | 100% | 76 | 76 |
| Monterey County, CA | Mortgage lenders | 100% | 60 | 60 |
| Orange County, CA | Investment property purchase | 100% | 34 | 34 |
| Orange County, CA | Investment cash-out refinance | 100% | 23 | 23 |
The county markets where Bay-Valley Mortgage Group made the most loans. Each link opens that market with every lender ranked.
Questions about Bay-Valley Mortgage Group
What is Bay-Valley Mortgage Group's mortgage approval rate?
Bay-Valley Mortgage Group approved 98.9% of the 3,579 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Bay-Valley Mortgage Group offers?
Borrowers accepted 100% of the loans Bay-Valley Mortgage Group approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bay-Valley Mortgage Group make?
The typical home purchase mortgage loan Bay-Valley Mortgage Group made was $485K; across all loan types its typical loan ran from $335K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bay-Valley Mortgage Group lend?
Bay-Valley Mortgage Group decided applications in 29 of the states Fat Boy Data covers, most of them in California, Nevada and Arizona.
Can I apply to Bay-Valley Mortgage Group directly?
Yes. Bay-Valley Mortgage Group reports as a direct lender that takes applications from borrowers.
Does this page show Bay-Valley Mortgage Group's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bay-Valley Mortgage Group treats applications, then get a rate quote from the lender.