BAY
BAY received 891 applications in 2025 and made 553 mortgages, in 30 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $205,000. Of 685 decisions, 130 were denials — 19.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300KZC4KKV3F7W494 |
|---|---|
| Applications received | 891 |
| Mortgages made | 553 |
| Denied | 130 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 206 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.72 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 | 135 | 6.875% | $505,000 | 5.6% |
| Refinancing | 34 | 6.750% | $450,000 | 15.0% |
| Cash-out refinancing | 382 | 7.875% | $135,000 | 22.8% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 60.0% |
Where BAY 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 |
|---|---|---|---|
| Santa Cruz County, CA | 391 | 7.625% | 16.6% |
| Monterey County, CA | 107 | 7.500% | 25.5% |
| San Benito County, CA | 10 | 6.938% | 23.1% |
| Merced County, CA | 7 | Under 10 loans | 12.5% |
| Santa Clara County, CA | 5 | Under 10 loans | 28.6% |
| Sacramento County, CA | 4 | Under 10 loans | 33.3% |
| San Joaquin County, CA | 4 | Under 10 loans | 0.0% |
| Sonoma County, CA | 3 | Under 10 loans | 25.0% |
| El Dorado County, CA | 2 | Under 10 loans | 33.3% |
| Fresno County, CA | 2 | Under 10 loans | 33.3% |
| Lake County, CA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 33.3% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Calaveras County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| Modoc County, CA | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| San Luis Obispo County, CA | 0 | Under 10 loans | Not published |
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When BAY’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.