Lender profile · HMDA 2023–2025
Bay-Valley Mortgage Group mortgage approval rates & lending data
Bay-Valley Mortgage Group decided 3,579 mortgage applications and funded 3,541 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Idaho | 94% | $375K | 18 | 17 |
| Maryland | 100% | $425K | 18 | 18 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.