Purchase Originations
525
Ranked #608 nationally
Median Total Costs
$11,395
+70.6% vs national ($6,680)
↓ $641 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,995
Median Lender Credits
$520
Cost Rank (500+ vol.)
#573
among lenders with 500+ originations
Denial Rate
0.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 365 | 6.625% | $9,060 | $4,565 |
| fha | 135 | 6.250% | $19,814 | $7,142 |
| va | 25 | 6.125% | $7,686 | $2,190 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 404 | 6.500% | $11,693 | #92 |
| Nevada | 47 | 6.375% | $11,924 | — |
| Georgia | 13 | 6.500% | $8,912 | — |
| Texas | 9 | 6.625% | $10,578 | — |
| Tennessee | 7 | 6.500% | $9,535 | — |
| Washington | 6 | 6.562% | $10,447 | — |
| Colorado | 5 | 6.625% | $6,490 | — |
| Arizona | 4 | 6.688% | $7,294 | — |
| Hawaii | 4 | 6.562% | $18,746 | — |
| Illinois | 3 | 7.000% | $13,810 | — |
| North Carolina | 3 | 6.125% | $14,065 | — |
| Oregon | 3 | 7.250% | $10,993 | — |
| Pennsylvania | 3 | 6.875% | $6,975 | — |
| Idaho | 2 | 6.438% | $5,397 | — |
| Michigan | 2 | 7.312% | $7,462 | — |
| Minnesota | 2 | 6.312% | $9,522 | — |
| Virginia | 2 | 6.688% | $16,216 | — |
| Alaska | 1 | 6.250% | $11,341 | — |
| Alabama | 1 | 6.875% | $9,998 | — |
| Florida | 1 | 6.125% | $6,928 | — |
| New Jersey | 1 | 7.375% | $17,584 | — |
| Oklahoma | 1 | 6.875% | $4,638 | — |
| South Carolina | 1 | 6.875% | $9,650 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,607 | 6.562% | — | 6 | −$6,788 | |
| 2 | $7,319 | 6.750% | — | 3 | −$4,076 | |
| 3 | $7,653 | 6.500% | — | 3 | −$3,742 | |
| 4 | $8,251 | 6.625% | — | 4 | −$3,144 | |
| 5 | $8,517 | 6.375% | — | 60 | −$2,878 | |
| 6 | $10,640 | 6.375% | — | 5 | −$755 | |
| 7 | $10,754 | 6.375% | — | 4 | −$641 | |
| 8 | $11,395 | 6.500% | — | 151 | +$0 | |
| 9 | $11,409 | 6.125% | — | 3 | +$14 | |
| 10 | $11,925 | 6.375% | — | 46 | +$530 | |
| 11 | $12,449 | 6.250% | — | 9 | +$1,054 | |
| 12 | $13,135 | 6.375% | — | 21 | +$1,740 | |
| 13 | $14,197 | 6.500% | — | 68 | +$2,802 | |
| 14 | $14,998 | 6.125% | — | 3 | +$3,603 | |
| 15 | $15,495 | 6.812% | — | 4 | +$4,100 | |
| 16 | $17,040 | 6.625% | — | 39 | +$5,645 | |
| 17 | $19,220 | 6.500% | — | 11 | +$7,825 | |
| 18 | $20,197 | 6.250% | — | 3 | +$8,802 | |
| 19 | $21,561 | 6.750% | — | 3 | +$10,166 | |
| 20 | $22,761 | 6.125% | — | 3 | +$11,366 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bay-Valley Mortgage Group | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $11,395 | $7,127 | +$4,268 (+59.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.