BAY EQUITY LLC received 6,552 applications in 2025 and made
4,443 mortgages, in 625 counties across 47 states.
The median rate its borrowers got was 6.625% on a median loan of $365,000.
Of 4,703 decisions, 228 were denials — 4.9%, most often for debt-to-income ratio.
557 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
549300PL8ER6H23P0Z91
Applications received
6,552
Mortgages made
4,443
Denied
228
Approved, not taken up
32
Withdrawn or incomplete
1,849
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.171 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
4,261
6.625%
$365,000
4.6%
Refinancing
88
6.625%
$400,000
9.2%
Cash-out refinancing
94
6.875%
$295,000
12.8%
Where BAY EQUITY LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When BAY EQUITY LLC’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.