Who We Are
Pacific Bay Lending Group, founded in 1992, believes that a lender can offer excellent service to mortgage brokers and it has strived to build lasting business relationships based on sound business practices. As a growing company, Pacific Bay Lending Group is reputed by its peers as a lender with honesty, integrity and outstanding broker service.
With these in mind, Pacific Bay Lending Group focuses to offer comprehensive programs along with competitive pricing. Our Staff is comprised of experienced professionals with mortgage industry's top knowledge. Our staff has continuous trainings on:
a wide range of programs for your borrowers.
NMLS # 192103. NMLS Consumer Access. Licensed by the California Bureau of Real Estate.
Pacific Bay Lending Group is a DBA of Bay-Valley Mortgage Group (NMLS#: 192103)
Following states listed under the chart are not approved for DBA Pacific Bay Lending Group: AZ, MN, NE, NV, SC, TX.
| STATE | LICENSE NAME | LICENSE NUMBER |
|---|---|---|
| Alabama | Consumer Credit License | 22542 |
| Alaska | Mortgage Broker/Lender License | AK192103 |
| Alaska | Mortgage Broker/Lender License - Other Trade Name #1 | AK192103-1 |
| Alaska | Mortgage Broker/Lender License - Other Trade Name #2 | AK192103-2 |
| Arkansas | Combination Mortgage Banker-Broker-Servicer License | 192103 |
| Arizona | Mortgage Banker License | BK-0943238 |
| Arizona | Mortgage Banker License - Other Trade Name #1 | BK-1002237 |
| California - BRE | Real Estate Corporation License Endorsement | 01151882 |
| California - DBO | Finance Lenders Law License | 60DBO73632 |
| Colorado | Mortgage Company Registration | - |
| Connecticut | Mortgage Lender License | ML-192103 |
| Delaware | Lender License | 025396 |
| District of Columbia | Mortgage Dual Authority License | MLB192103 |
| Florida | Mortgage Lender Service License | MLD1637 |
| Georgia | Mortgage Lender License/Registration | 32606 |
| Hawaii | Mortgage Loan Originator Company License | HI-192103 |
| Hawaii | Mortgage Servicer License | MS299 |
| Idaho | Mortgage Broker/Lender License | MBL-2080192103 |
| Illinois | Residential Mortgage License | MB.6761215 IDFPR-Residential Mortgage Banking 555 W. Monroe, Suite 500 Chicago, IL 60661 (844)768-1713 |
| Maryland | Mortgage Lender License | 21297 |
| Michigan | 1st Mortgage Broker/Lender/Servicer Registrant | FR0020870 |
| Minnesota | Residential Mortgage Originator License | MN-MO-192103 |
| Nebraska | Mortgage Banker License | |
| New Jersey | Residential Mortgage Lender License | |
| Nevada | Mortgage Broker License | 4600 |
| North Carolina | Mortgage Lender License | L-177928 |
| Ohio | Residential Mortgage Lending Act Certificate of Registration | RM.805061.000 |
| Oklahoma | Mortgage Lender License | ML015705 |
| Oregon | Mortgage Lender / Servicer License | ML-5618 |
| Pennsylvania | Mortgage Lender License | 77944 |
| Pennsylvania | Mortgage Servicer License | 100634 |
| Rhode Island | Lender License / Loan Broker License | 20183606LL |
| South Carolina | Mortgage Lender | MLS-192103 |
| Tennessee | Mortgage License | 148246 |
| Texas - SML | Mortgage Banker Registration | - |
| Utah | Mortgage Entity License | 11141737 |
| Virginia | Lender License / Broker License | MC-5575 |
| Wisconsin | Mortgage Banker License | 192103BA |
| Wisconsin | Mortgage Broker License | 192103BR |
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAIALBLE AT 877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
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We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act.
Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend. © 2019 Bay-Valley Mortgage Group, Inc. DBA Pacific Bay Lending Group and Valley View Home Loans. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS. Licensed by the California Department of Real Estate and the California Department of Business Oversight.
"Loans made or arranged pursuant to a California Financing Law license."