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We analyzed every closed loan from Bay Valley Mortgage Group — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 15 mkts
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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)
Explore another lender or local market
Report Card
BayValley Mortgage Group performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +33.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Industry Standard Top 60% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National16 markets | |
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 |
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 |
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
States Served
29
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALAZCACOCTFLGAHIIDILMDMIMNNCNJNVOHOKORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 278Mix: 23.88%of portfolio
Place
Strong2
Anaheim, CAMSA
Volume: 122Mix: 10.48%of portfolio
Place
Strong3
Riverside, CAMSA
Volume: 193Mix: 16.58%of portfolio
Place
Strong4
Las Vegas, NVMSA
Volume: 74Mix: 6.36%of portfolio
Place
Strong5
Fresno, CA, CAMSA
Volume: 47Mix: 4.04%of portfolio
Place
Strong6
Salinas, CA, CAMSA
Volume: 20Mix: 1.72%of portfolio
Place
Sound7
San Jose, CAMSA
Volume: 30Mix: 2.58%of portfolio
Place
Sound8
San Diego, CAMSA
Volume: 26Mix: 2.23%of portfolio
Place
Sound9
Oakland, CAMSA
Volume: 17Mix: 1.46%of portfolio
Place
Sound10
Atlanta, GAMSA
Volume: 20Mix: 1.72%of portfolio
Place
SoundShowing 10 of 15 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 800Mix: 68.73%of portfolio
Place
Strong2
NVState
Volume: 82Mix: 7.04%of portfolio
Place
Strong3
WAState
Volume: 26Mix: 2.23%of portfolio
Place
Sound4
TXState
Volume: 45Mix: 3.87%of portfolio
Place
Sound5
AZState
Volume: 27Mix: 2.32%of portfolio
Place
Sound6
GAState
Volume: 25Mix: 2.15%of portfolio
Place
Sound7
TNState
Volume: 15Mix: 1.29%of portfolio
Place
Sound8
VAState
Volume: 14Mix: 1.20%of portfolio
Place
Acceptable9
MDState
Volume: 12Mix: 1.03%of portfolio
Place
Acceptable10
COState
Volume: 11Mix: 0.95%of portfolio
Place
AcceptableShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.