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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
863 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
FHA
254 loans · 0.58% above market
Strong
Top 40% of lenders
4/5
VA
27 loans · 0.42% below market
Strong
Top 40% of lenders
4/5
Jumbo
20 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
897 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
Refinance
267 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 16 markets
Sound
Top 60% of lenders
3/5
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
29Full-year 2024 · HMDALoans originated
< 1010–2020+None
Northeast4
CTNJPARI
Midwest5
ILMIMNOHWI
South10
ALFLGAMDNCOKSCTNTXVA
West10
AKAZCACOHIIDNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States by Place Specialization Score
Showing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 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.