Lender in California · HMDA 2025
Bay-Valley Mortgage Group mortgages in California
Bay-Valley Mortgage Group's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Bay-Valley Mortgage Group originated 600 owner-occupied single-family loans in California from 604 completed applications.
Its median conventional purchase loan costs were $9,130 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
600
of 604 applications
Denial rate
0.5%
Purchase · CA 8.9%
Rate spread
−0.13 pts
Conv. · CA +0.09 pts
Loan amount
$585,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 404 | 402 | 0.5% | 6.625% | −0.13 pts | $9,130 | $585,000 |
| Refinance | 112 | 112 | 0.0% | 6.375% | −0.23 pts | $4,500 | $605,000 |
| Cash-out refinance | 88 | 86 | 2.3% | 6.750% | +0.14 pts | $9,090 | $465,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology