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BAY-VALLEY MORTGAGE GROUP
Independent Mortgage Company|GARDEN GROVE, CA|Near-National
Loans Originated
1,164
Applications
1,737
Volume
$593 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.335%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,050
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,050)
Report Card
BAY-VALLEY MORTGAGE GROUP performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 16 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$509,665
Average Borrower Income
$212,936
Average Property Value
$726,529
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 863 | 74.1% | +0.269% | $3,652 |
FHA Loans | Sound | Strong | Mediocre | Strong | 254 | 21.8% | +0.582% | $5,401 |
VA Loans | Sound | Strong | N/A | Sound | 27 | 2.3% | -0.417% | $3,619 |
Jumbo Loans | Sound | Strong | N/A | Acceptable | 20 | 1.7% | +0.760% | $2,310 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 897 | 77.1% | +0.360% | $4,325 |
Refinance | Sound | Strong | Acceptable | Sound | 267 | 22.9% | +0.249% | $3,123 |
Geographic Coverage
Metro Areas
15
States Served
29
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALAZCACOCTFLGAHIIDILMDMIMNNCNJNVOHOKORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 278Mix: 23.88%
Place Specialization
Strong
2
Anaheim, CAMSA
Volume: 122Mix: 10.48%
Place Specialization
Strong
3
Riverside, CAMSA
Volume: 193Mix: 16.58%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 74Mix: 6.36%
Place Specialization
Strong
5
Fresno, CA, CAMSA
Volume: 47Mix: 4.04%
Place Specialization
Strong
6
Salinas, CA, CAMSA
Volume: 20Mix: 1.72%
Place Specialization
Sound
7
San Jose, CAMSA
Volume: 30Mix: 2.58%
Place Specialization
Sound
8
San Diego, CAMSA
Volume: 26Mix: 2.23%
Place Specialization
Sound
9
Oakland, CAMSA
Volume: 17Mix: 1.46%
Place Specialization
Sound
10
Atlanta, GAMSA
Volume: 20Mix: 1.72%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 800Mix: 68.73%
Place Specialization
Strong
2
NVState
Volume: 82Mix: 7.04%
Place Specialization
Strong
3
WAState
Volume: 26Mix: 2.23%
Place Specialization
Sound
4
TXState
Volume: 45Mix: 3.87%
Place Specialization
Sound
5
AZState
Volume: 27Mix: 2.32%
Place Specialization
Sound
6
GAState
Volume: 25Mix: 2.15%
Place Specialization
Sound
7
TNState
Volume: 15Mix: 1.29%
Place Specialization
Sound
8
VAState
Volume: 14Mix: 1.20%
Place Specialization
Acceptable
9
MDState
Volume: 12Mix: 1.03%
Place Specialization
Acceptable
10
COState
Volume: 11Mix: 0.95%
Place Specialization
Acceptable
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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