Applications / Mortgage Analytics / Lenders / California / Bay-Valley Mortgage Group
La Mirada, CA · Independent non-bank lender · CFPB · 1,032 loans in 2025
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1,032
loans originated, 2025
1,768
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bay-Valley Mortgage Group, a La Mirada, California lender, makes more than three-quarters of its loans in majority-minority neighborhoods, far more than similar lenders, even as its volume fell by a quarter.
Majority-minority neighborhoods took 77.4% of its loans, against 26.6% at similar lenders, independent non-bank lenders making between half and twice as many loans. Only about one in twenty of them had a higher share. Neighborhoods of low and moderate income (LMI) took 24.7%, also above their 18.6%. Its largest markets are Los Angeles-Long Beach-Anaheim and Riverside-San Bernardino-Ontario.
Its typical loan was $465,000, against $315,000 at similar lenders, larger than at nearly nine in ten. LMI borrowers took 17.1% of its loans, fewer than the 27.1% at similar lenders; its larger loans may be one reason.
It turned down 1.1% of decided home-purchase applications and 1.6% of refinance applications, against 3.3% and 6.2% at similar lenders. Both rates are lower than at more than four in five of them.
Its loans fell 25% to 1,032 while similar lenders grew 5%. Its mix held steady, with conventional loans at 78.2% against 78.7%, so no single product explains the drop. Refinancing still made up 35.3% of its lending.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bay-Valley Mortgage Group took 1,768 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 35.3%
Conventional 78.2% · FHA 18.9% · VA 2.9% · of 1,032 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 774 | 75.0% |
| Nevada | 90 | 8.7% |
| Arizona | 22 | 2.1% |
| Texas | 21 | 2.0% |
| Georgia | 20 | 1.9% |
| Washington | 14 | 1.4% |
| Tennessee | 12 | 1.2% |
| Hawaii | 9 | 0.9% |
| Colorado | 8 | 0.8% |
| Florida | 7 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 270 |
| Riverside-San Bernardino-Ontario | 185 |
| Anaheim-Santa Ana-Irvine | 133 |
| Las Vegas-Henderson-North Las Vegas | 82 |
| Fresno | 40 |
| Salinas | 23 |
| San Diego-Chula Vista-Carlsbad | 23 |
| San Jose-Sunnyvale-Santa Clara | 21 |
| Oakland-Fremont-Berkeley | 17 |
| Phoenix-Mesa-Chandler | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930002O9LLXKR6TF11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4188090 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7943169132 |
Established 25 November 1992. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Bay-Valley Mortgage Group's data.
Bay-Valley Mortgage Group's data
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