CFPB Consumer Complaint Profile
Bay Valley Mortgage Group
Consumers have filed 22 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 3
- Last 12 months
- 90.9%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
22 CFPB complaints put Bay Valley Mortgage Group at #2732 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 90.9%, the 19th percentile among companies with 100+ complaints.
- #2732
- of 3,843 companies by volume
- 90.9%
- on time (19th pctile)
- Mortgage
- most-complained product
- 4
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bay Valley Mortgage Group vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.9% Among the lowest higher than 19% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 4 |
| 2019 | 3 |
| 2020 | 8 |
| 2021 | 2 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bay Valley Mortgage Group
The CFPB Consumer Complaint Database has logged 22 complaints against Bay Valley Mortgage Group overall, with 3 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Applying for a mortgage or refinancing an existing mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Bay Valley Mortgage Group posts a 90.9% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 4.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bay Valley Mortgage Group have?
Bay Valley Mortgage Group has 22 total consumer complaints filed with the CFPB, with 3 filed in the last 12 months.
Does Bay Valley Mortgage Group respond to complaints on time?
CFPB complaints against Bay Valley Mortgage Group draw a 90.9% timely-response rate inside the expected window.
What product generates the most complaints for Bay Valley Mortgage Group?
The most complained-about product for Bay Valley Mortgage Group is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Bay Valley Mortgage Group?
The most common issue reported by consumers about Bay Valley Mortgage Group is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Bay Valley Mortgage Group?
You can file a complaint against Bay Valley Mortgage Group directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bay Valley Mortgage Group?
Bay Valley Mortgage Group has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Bay Valley Mortgage Group: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.