Bay Bank
Bay Bank received 151 applications in 2025 and made 82 mortgages, in 30 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 151 decisions, 52 were denials — 34.4%. 6 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900ACGDT107SC5E82 |
|---|---|
| Applications received | 151 |
| Mortgages made | 82 |
| Denied | 52 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bay Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | Not published | $185,000 | 45.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 19 | Not published | $125,000 | 20.0% |
| Other purposes | 29 | Not published | $55,000 | 23.1% |
Where Bay Bank lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Brown County, WI | 23 | Not published | 27.8% |
| Outagamie County, WI | 20 | Not published | 12.5% |
| Menominee County, WI | 11 | Not published | 34.8% |
| Shawano County, WI | 8 | Under 10 loans | 38.5% |
| Bayfield County, WI | 4 | Under 10 loans | 37.5% |
| Ashland County, WI | 2 | Under 10 loans | 60.0% |
| Door County, WI | 2 | Under 10 loans | 0.0% |
| Calumet County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Langlade County, WI | 1 | Under 10 loans | 0.0% |
| Marinette County, WI | 1 | Under 10 loans | 33.3% |
| Milwaukee County, WI | 1 | Under 10 loans | 50.0% |
| Oconto County, WI | 1 | Under 10 loans | 66.7% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 50.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 0 | Under 10 loans | 100.0% |
| Houghton County, MI | 0 | Under 10 loans | 0.0% |
| Isabella County, MI | 0 | Under 10 loans | 100.0% |
| Menominee County, MI | 0 | Under 10 loans | 0.0% |
| St. Louis County, MN | 0 | Under 10 loans | 100.0% |
| Scott County, MN | 0 | Under 10 loans | 100.0% |
| Forest County, WI | 0 | Under 10 loans | 0.0% |
| Jackson County, WI | 0 | Under 10 loans | 100.0% |
| Pepin County, WI | 0 | Under 10 loans | 0.0% |
| Sawyer County, WI | 0 | Under 10 loans | 100.0% |
| Winnebago County, WI | 0 | Under 10 loans | 100.0% |
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When Bay Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.