# BAY-VALLEY MORTGAGE GROUP

> **Canonical URL:** https://saferate.com/lenders/bay-valley-mortgage-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BAY-VALLEY MORTGAGE GROUP is a independent mortgage company, headquartered in GARDEN GROVE, CA, serving borrowers across 29 states, with 1,164 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930002O9LLXKR6TF11
- **Headquarters:** GARDEN GROVE, CA
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AK, AL, AZ, CA, CO, CT, FL, GA, HI, ID, IL, MD, MI, MN, NC, NJ, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 16
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 91.2%
- **Brokered/Wholesale:** 8.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.335%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,050
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,164
- **Dollar Volume:** $593 million
- **Applications Received:** 1,737
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $509,665
- **Average Borrower Income:** $212,936
- **Average Property Value:** $726,529

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 863 | +0.269% | $3,652 | Sound ☺️ |
| FHA | 74/100 | 254 | +0.582% | $5,401 | Strong 😀 |
| VA | 60/100 | 27 | -0.417% | $3,619 | Strong 😀 |
| Jumbo | 64/100 | 20 | +0.760% | $2,310 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 652 loans, Score: 60/100 (Strong)
- Refinance: 211 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 209 loans, Score: 73/100 (Strong)
- Refinance: 45 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 23 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 897 | $467M | +0.360% | Strong 😀 |
| Refinance | 63/100 | 267 | $126M | +0.249% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 800 | 0.28% | 79/100 |
| NV | 82 | 0.20% | 65/100 |
| TX | 45 | 0.01% | 47/100 |
| AZ | 27 | 0.03% | 47/100 |
| WA | 26 | 0.03% | 48/100 |
| GA | 25 | 0.02% | 45/100 |
| TN | 15 | 0.02% | 40/100 |
| VA | 14 | 0.01% | 40/100 |
| FL | 12 | 0.00% | 34/100 |
| MD | 12 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 278 | 79/100 |
| Riverside | CA | 193 | 73/100 |
| Anaheim | CA | 122 | 73/100 |
| Las Vegas | NV | 74 | 65/100 |
| Fresno, CA | CA | 47 | 62/100 |
| San Jose | CA | 30 | 55/100 |
| San Diego | CA | 26 | 50/100 |
| Atlanta | GA | 20 | 45/100 |
| Salinas, CA | CA | 20 | 56/100 |
| Non |  | 20 | 26/100 |
| Oakland | CA | 17 | 46/100 |
| Bakersfield | CA | 14 | 45/100 |
| Dallas | TX | 14 | 41/100 |
| Phoenix | AZ | 13 | 40/100 |
| Killeen | TX | 12 | 44/100 |

## Where This Lender Ranks

BAY-VALLEY MORTGAGE GROUP appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Salinas, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Salinas, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Salinas, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Salinas, CA
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders)
- 🏆 **#19** in Anaheim Mortgage Companies
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does BAY-VALLEY MORTGAGE GROUP offer?

BAY-VALLEY MORTGAGE GROUP offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BAY-VALLEY MORTGAGE GROUP offer mortgages?

BAY-VALLEY MORTGAGE GROUP offers mortgages in 29 states: AK, AL, AZ, CA, CO, CT, FL, GA, HI, ID, IL, MD, MI, MN, NC, NJ, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

### How competitive are BAY-VALLEY MORTGAGE GROUP's mortgage rates?

BAY-VALLEY MORTGAGE GROUP has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.335% above market average.

### What type of lender is BAY-VALLEY MORTGAGE GROUP?

BAY-VALLEY MORTGAGE GROUP is a non-depository lender that specializes in mortgage origination, headquartered in GARDEN GROVE, CA.

### What is BAY-VALLEY MORTGAGE GROUP's loan approval success rate?

BAY-VALLEY MORTGAGE GROUP has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bay-valley-mortgage-group

### How to Cite

> "BAY-VALLEY MORTGAGE GROUP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bay-valley-mortgage-group

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