Bay-Valley Mortgage Group
We analyzed every closed loan from Bay-Valley Mortgage Group — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 15 mkts
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)
Explore another lender or local market
Report Card
Bay-Valley Mortgage Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 16 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 863 | 74.1% | +0.269%Above | $3,652Fees | ||||
FHA Loans | 254 | 21.8% | +0.582%Above | $5,401Fees | ||||
VA Loans | — | 27 | 2.3% | -0.417%Below | $3,619Fees | |||
Jumbo Loans | — | 20 | 1.7% | +0.760%Above | $2,310Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume863
Mix74.1%
Spread
+0.269%Above
Fees
$3,652Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume254
Mix21.8%
Spread
+0.582%Above
Fees
$5,401Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume27
Mix2.3%
Spread
-0.417%Below
Fees
$3,619Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughAcceptable
Volume20
Mix1.7%
Spread
+0.760%Above
Fees
$2,310Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 897 | 77.1% | +0.360%Above | $4,325Fees | ||||
Refinance | 267 | 22.9% | +0.249%Above | $3,123Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume897
Mix77.1%
Spread
+0.360%Above
Fees
$4,325Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume267
Mix22.9%
Spread
+0.249%Above
Fees
$3,123Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,164
Applications
1,737
Volume
$593 million
Pricing & Closing
Avg Rate Spread
+0.335%
vs. market APOR
Avg Net Fees
$4,050
Origination − Credits
Pullthrough Rate
67.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$509,665
Avg Borrower Income
$212,936
Avg Property Value
$726,529
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
29Northeast4
CTNJPARI
Midwest5
ILMIMNOHWI
South10
ALFLGAMDNCOKSCTNTXVA
West10
AKAZCACOHIIDNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 278Mix 23.88% of portfolio
79/100
Strong
Volume 122Mix 10.48% of portfolio
73/100
Strong
Volume 193Mix 16.58% of portfolio
73/100
Strong
Volume 74Mix 6.36% of portfolio
65/100
Strong
Volume 47Mix 4.04% of portfolio
62/100
Strong
Volume 20Mix 1.72% of portfolio
56/100
Sound
Volume 30Mix 2.58% of portfolio
55/100
Sound
Volume 26Mix 2.23% of portfolio
50/100
Sound
Volume 17Mix 1.46% of portfolio
46/100
Sound
Volume 20Mix 1.72% of portfolio
45/100
SoundShowing 10 of 15 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 800Mix 68.73% of portfolio
79/100
Strong2
NevadaState
Volume 82Mix 7.04% of portfolio
65/100
Strong3
WashingtonState
Volume 26Mix 2.23% of portfolio
48/100
Sound4
TexasState
Volume 45Mix 3.87% of portfolio
47/100
Sound5
ArizonaState
Volume 27Mix 2.32% of portfolio
47/100
Sound6
GeorgiaState
Volume 25Mix 2.15% of portfolio
45/100
Sound7
TennesseeState
Volume 15Mix 1.29% of portfolio
40/100
Sound8
VirginiaState
Volume 14Mix 1.20% of portfolio
40/100
Acceptable9
MarylandState
Volume 12Mix 1.03% of portfolio
39/100
Acceptable10
ColoradoState
Volume 11Mix 0.95% of portfolio
38/100
AcceptableShowing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
Looking for a different lender?
Are you the owner of Bay-Valley Mortgage Group?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.