BAY-VALLEY MORTGAGE GROUP
BAY-VALLEY MORTGAGE GROUP received 1,768 applications in 2025 and made 1,032 mortgages, in 206 counties across 30 states. The median rate its borrowers got was 6.625% on a median loan of $465,000. Of 1,046 decisions, 14 were denials — 1.3%, most often for employment history.
| Legal Entity Identifier | 54930002O9LLXKR6TF11 |
|---|---|
| Applications received | 1,768 |
| Mortgages made | 1,032 |
| Denied | 14 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 722 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.065 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 668 | 6.500% | $480,000 | 1.0% |
| Refinancing | 158 | 6.125% | $555,000 | 0.6% |
| Cash-out refinancing | 206 | 7.500% | $330,000 | 2.8% |
Where BAY-VALLEY MORTGAGE GROUP lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 270 | 6.500% | 1.5% |
| Orange County, CA | 133 | 6.625% | 0.0% |
| San Bernardino County, CA | 116 | 6.500% | 0.9% |
| Clark County, NV | 82 | 6.688% | 4.7% |
| Riverside County, CA | 69 | 6.625% | 1.4% |
| Fresno County, CA | 39 | 6.375% | 4.9% |
| Monterey County, CA | 23 | 6.750% | 0.0% |
| San Diego County, CA | 23 | 6.625% | 0.0% |
| Santa Clara County, CA | 19 | 6.625% | 0.0% |
| Maricopa County, AZ | 12 | 7.125% | 0.0% |
| Alameda County, CA | 12 | 6.188% | 0.0% |
| Sacramento County, CA | 8 | Under 10 loans | 0.0% |
| Honolulu County, HI | 8 | Under 10 loans | 0.0% |
| Kern County, CA | 6 | Under 10 loans | 0.0% |
| Merced County, CA | 6 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 6 | Under 10 loans | 0.0% |
| San Mateo County, CA | 6 | Under 10 loans | 0.0% |
| Ventura County, CA | 6 | Under 10 loans | 0.0% |
| Denton County, TX | 6 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 5 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 5 | Under 10 loans | 0.0% |
| Pierce County, WA | 5 | Under 10 loans | 0.0% |
| Mohave County, AZ | 4 | Under 10 loans | 0.0% |
| Tulare County, CA | 4 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 4 | Under 10 loans | 0.0% |
| Troup County, GA | 4 | Under 10 loans | 0.0% |
| Ada County, ID | 4 | Under 10 loans | 0.0% |
| King County, WA | 4 | Under 10 loans | 0.0% |
| Anchorage Municipality, AK | 3 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 3 | Under 10 loans | 0.0% |
| San Francisco County, CA | 3 | Under 10 loans | 0.0% |
| Washoe County, NV | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Montgomery County, AL | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| San Benito County, CA | 2 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Yolo County, CA | 2 | Under 10 loans | 0.0% |
| Yuba County, CA | 2 | Under 10 loans | 0.0% |
| Adams County, CO | 2 | Under 10 loans | 0.0% |
| Douglas County, CO | 2 | Under 10 loans | 0.0% |
| Orange County, FL | 2 | Under 10 loans | 0.0% |
| Osceola County, FL | 2 | Under 10 loans | 0.0% |
| Fayette County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Canyon County, ID | 2 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.