Bay Equity LLC Mortgage Lending & HMDA Data, 2016

In 2016, Bay Equity LLC of Detroit, MI reported 20,832 mortgage applications totaling $5.9 billion, up 29% from 2015. The average application was for $283,444, and applicants reported an average income of $99,569. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Diego-Carlsbad, CA (1,996), Minneapolis-St. Paul-Bloomington, MN-WI (1,609) and Los Angeles-Long Beach-Glendale, CA (1,335) (applications in parentheses).

Mortgage Company & Address Bay Equity LLC

Detroit, MI 48226
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 20,832
Total Mortgage Loan Application Amount $5,904,723,000
Average Mortgage Loan Application Amount $283,444
Highest Mortgage Loan Application Amount $2,970,000
Average Applicant Income $99,569
Highest Applicant Income $4,682,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bay Equity LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bay Equity LLC by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 1,996 $ 824,638,000 $ 413,145 $ 126,000
Los Angeles, California 1,335 $ 493,527,000 $ 369,683 $ 101,000
Mesa, Colorado 1,005 $ 197,136,000 $ 196,155 $ 77,000
Maricopa, Arizona 851 $ 199,556,000 $ 234,495 $ 87,000
Pierce, Washington 531 $ 137,520,000 $ 258,983 $ 86,000
Garfield, Colorado 528 $ 156,298,000 $ 296,018 $ 89,000
King, Washington 518 $ 191,094,000 $ 368,907 $ 115,000
Hennepin, Minnesota 481 $ 102,755,000 $ 213,627 $ 85,000
Washington, Utah 480 $ 98,552,000 $ 205,316 $ 75,000
Orange, California 438 $ 211,589,000 $ 483,079 $ 150,000
Riverside, California 402 $ 111,364,000 $ 277,024 $ 90,000
San Bernardino, California 369 $ 94,598,000 $ 256,363 $ 89,000
McHenry, Illinois 348 $ 66,975,000 $ 192,456 $ 98,000
Lake, Illinois 341 $ 62,771,000 $ 184,079 $ 96,000
Will, Illinois 335 $ 61,762,000 $ 184,364 $ 81,000
Alameda, California 302 $ 135,333,000 $ 448,122 $ 138,000
Snohomish, Washington 300 $ 98,868,000 $ 329,560 $ 104,000
Cook, Illinois 291 $ 61,738,000 $ 212,158 $ 97,000
Contra Costa, California 274 $ 129,666,000 $ 473,233 $ 168,000
Sonoma, California 268 $ 103,530,000 $ 386,305 $ 121,000
Monterey, California 254 $ 75,468,000 $ 297,118 $ 86,000
El Paso, Colorado 251 $ 59,066,000 $ 235,322 $ 72,000
Santa Clara, California 236 $ 133,469,000 $ 565,546 $ 173,000
San Joaquin, California 223 $ 56,577,000 $ 253,708 $ 87,000
Fresno, California 219 $ 54,740,000 $ 249,954 $ 104,000
Routt, Colorado 219 $ 61,050,000 $ 278,767 $ 99,000
Anoka, Minnesota 215 $ 44,385,000 $ 206,441 $ 75,000
Cobb, Georgia 204 $ 49,199,000 $ 241,171 $ 121,000
Campbell, Wyoming 188 $ 39,863,000 $ 212,037 $ 78,000
Dakota, Minnesota 177 $ 39,178,000 $ 221,344 $ 86,000
Fulton, Georgia 173 $ 54,156,000 $ 313,040 $ 154,000
Clark, Nevada 168 $ 32,320,000 $ 192,380 $ 62,000
Eagle, Colorado 160 $ 57,224,000 $ 357,650 $ 112,000
Kern, California 157 $ 25,452,000 $ 162,114 $ 73,000
Denver, Colorado 155 $ 48,178,000 $ 310,825 $ 119,000
Ramsey, Minnesota 154 $ 27,858,000 $ 180,896 $ 69,000
Pinal, Arizona 142 $ 22,337,000 $ 157,302 $ 56,000
Skagit, Washington 140 $ 32,404,000 $ 231,457 $ 83,000
Washington, Minnesota 137 $ 30,394,000 $ 221,854 $ 96,000
Oklahoma, Oklahoma 137 $ 15,697,000 $ 114,576 $ 41,000
Jefferson, Colorado 133 $ 39,887,000 $ 299,902 $ 96,000
Ada, Idaho 131 $ 25,934,000 $ 197,969 $ 78,000
Gunnison, Colorado 125 $ 31,927,000 $ 255,416 $ 128,000
Wright, Minnesota 120 $ 23,277,000 $ 193,975 $ 79,000
Montrose, Colorado 113 $ 20,413,000 $ 180,646 $ 73,000
Forsyth, Georgia 111 $ 32,667,000 $ 294,297 $ 128,000
Gwinnett, Georgia 111 $ 26,035,000 $ 234,549 $ 100,000
Santa Cruz, California 103 $ 52,165,000 $ 506,456 $ 161,000
DuPage, Illinois 98 $ 23,293,000 $ 237,683 $ 101,000
Cherokee, Georgia 86 $ 17,726,000 $ 206,116 $ 78,000
Arapahoe, Colorado 85 $ 22,723,000 $ 267,329 $ 96,000
Kane, Illinois 85 $ 16,521,000 $ 194,364 $ 87,000
Tarrant, Texas 84 $ 14,165,000 $ 168,630 $ 75,000
Grand, Utah 77 $ 18,754,000 $ 243,558 $ 112,000
Mendocino, California 73 $ 21,256,000 $ 291,178 $ 92,000
Maui, Hawaii 70 $ 31,156,000 $ 445,085 $ 129,000
DeKalb, Georgia 66 $ 18,174,000 $ 275,363 $ 119,000
Bernalillo, New Mexico 65 $ 13,733,000 $ 211,276 $ 95,000
Sacramento, California 64 $ 19,062,000 $ 297,843 $ 108,000
Douglas, Colorado 63 $ 21,007,000 $ 333,444 $ 133,000
Adams, Colorado 62 $ 15,922,000 $ 256,806 $ 85,000
Dallas, Texas 62 $ 11,983,000 $ 193,274 $ 110,000
Sherburne, Minnesota 60 $ 11,964,000 $ 199,400 $ 76,000
Buncombe, North Carolina 60 $ 15,778,000 $ 262,966 $ 119,000
Scott, Minnesota 59 $ 13,660,000 $ 231,525 $ 86,000
Graham, Arizona 58 $ 9,169,000 $ 158,086 $ 58,000
St. Croix, Wisconsin 58 $ 14,015,000 $ 241,637 $ 101,000
Gila, Arizona 55 $ 9,099,000 $ 165,436 $ 71,000
Pima, Arizona 53 $ 11,318,000 $ 213,547 $ 85,000
Yavapai, Arizona 53 $ 10,659,000 $ 201,113 $ 85,000
Lexington, South Carolina 53 $ 11,000,000 $ 207,547 $ 94,000
Denton, Texas 53 $ 11,272,000 $ 212,679 $ 101,000
Solano, California 52 $ 18,699,000 $ 359,596 $ 106,000
Crow Wing, Minnesota 50 $ 8,309,000 $ 166,180 $ 75,000
Kendall, Illinois 49 $ 8,967,000 $ 183,000 $ 74,000
Grundy, Illinois 47 $ 7,852,000 $ 167,063 $ 79,000
Carver, Minnesota 47 $ 11,454,000 $ 243,702 $ 82,000
Delta, Colorado 46 $ 7,979,000 $ 173,456 $ 62,000
Pitkin, Colorado 45 $ 19,158,000 $ 425,733 $ 135,000
Chelan, Washington 45 $ 9,860,000 $ 219,111 $ 65,000
Canyon, Idaho 43 $ 5,799,000 $ 134,860 $ 55,000
Utah, Utah 43 $ 10,157,000 $ 236,209 $ 76,000
Stanislaus, California 42 $ 10,077,000 $ 239,928 $ 77,000
Paulding, Georgia 41 $ 7,151,000 $ 174,414 $ 87,000
Collin, Texas 41 $ 10,667,000 $ 260,170 $ 134,000
Lake, California 40 $ 8,683,000 $ 217,075 $ 80,000
Steele, Minnesota 39 $ 6,579,000 $ 168,692 $ 80,000
Cleveland, Oklahoma 39 $ 5,511,000 $ 141,307 $ 53,000
Spokane, Washington 39 $ 7,595,000 $ 194,743 $ 72,000
Honolulu, Hawaii 38 $ 20,291,000 $ 533,973 $ 135,000
Chisago, Minnesota 37 $ 8,294,000 $ 224,162 $ 86,000
Richland, South Carolina 37 $ 7,334,000 $ 198,216 $ 92,000
Marin, California 34 $ 17,796,000 $ 523,411 $ 192,000
Thurston, Washington 34 $ 9,361,000 $ 275,323 $ 90,000
San Mateo, California 33 $ 19,951,000 $ 604,575 $ 159,000
Ventura, California 33 $ 12,849,000 $ 389,363 $ 105,000
Sandoval, New Mexico 33 $ 6,028,000 $ 182,666 $ 78,000
San Francisco, California 32 $ 17,810,000 $ 556,562 $ 180,000
Placer, California 30 $ 9,836,000 $ 327,866 $ 147,000
Douglas, Washington 30 $ 7,986,000 $ 266,200 $ 65,000
San Benito, California 29 $ 11,924,000 $ 411,172 $ 111,000
Rio Blanco, Colorado 29 $ 4,961,000 $ 171,068 $ 78,000
Isanti, Minnesota 29 $ 4,910,000 $ 169,310 $ 69,000
Kittitas, Washington 29 $ 6,670,000 $ 230,000 $ 113,000
Summit, Colorado 28 $ 9,591,000 $ 342,535 $ 172,000
Salt Lake, Utah 28 $ 6,947,000 $ 248,107 $ 85,000
Rice, Minnesota 26 $ 4,542,000 $ 174,692 $ 62,000
Calaveras, California 25 $ 6,626,000 $ 265,040 $ 167,000
Merced, California 25 $ 4,793,000 $ 191,720 $ 84,000
Greenville, South Carolina 25 $ 6,702,000 $ 268,080 $ 78,000
Harris, Texas 25 $ 5,737,000 $ 229,480 $ 102,000
Weld, Colorado 24 $ 7,038,000 $ 293,250 $ 107,000
Island, Washington 24 $ 6,579,000 $ 274,125 $ 77,000
Boulder, Colorado 23 $ 7,993,000 $ 347,521 $ 124,000
Douglas, Georgia 23 $ 3,593,000 $ 156,217 $ 75,000
Canadian, Oklahoma 23 $ 3,172,000 $ 137,913 $ 62,000
Amador, California 22 $ 4,757,000 $ 216,227 $ 76,000
Kenosha, Wisconsin 20 $ 3,238,000 $ 161,900 $ 120,000
Hall, Georgia 19 $ 4,245,000 $ 223,421 $ 92,000
Cass, Minnesota 19 $ 3,530,000 $ 185,789 $ 102,000
Multnomah, Oregon 19 $ 6,884,000 $ 362,315 $ 100,000
Barrow, Georgia 18 $ 2,831,000 $ 157,277 $ 63,000
Clayton, Georgia 18 $ 2,361,000 $ 131,166 $ 47,000
St. Louis, Minnesota 18 $ 2,968,000 $ 164,888 $ 90,000
El Dorado, California 17 $ 6,352,000 $ 373,647 $ 188,000
Tulare, California 17 $ 1,793,000 $ 105,470 $ 56,000
Jefferson, Tennessee 17 $ 2,206,000 $ 129,764 $ 51,000
Whatcom, Washington 17 $ 4,483,000 $ 263,705 $ 93,000
Coconino, Arizona 16 $ 3,995,000 $ 249,687 $ 96,000
Yuma, Arizona 16 $ 2,399,000 $ 149,937 $ 81,000
Bartow, Georgia 16 $ 2,740,000 $ 171,250 $ 77,000
San Juan, Utah 16 $ 3,025,000 $ 189,062 $ 66,000
Pierce, Wisconsin 16 $ 3,349,000 $ 209,312 $ 97,000
Napa, California 15 $ 6,796,000 $ 453,066 $ 221,000
Santa Barbara, California 15 $ 7,054,000 $ 470,266 $ 92,000
Santa Fe, New Mexico 15 $ 3,115,000 $ 207,666 $ 80,000
Broomfield, Colorado 14 $ 4,504,000 $ 321,714 $ 96,000
Coweta, Georgia 14 $ 2,411,000 $ 172,214 $ 87,000
Henry, Georgia 14 $ 2,401,000 $ 171,500 $ 74,000
Washington, Oregon 14 $ 4,712,000 $ 336,571 $ 132,000
Mohave, Arizona 13 $ 2,504,000 $ 192,615 $ 111,000
Moffat, Colorado 13 $ 2,218,000 $ 170,615 $ 69,000
Jackson, Georgia 13 $ 2,913,000 $ 224,076 $ 80,000
Bexar, Texas 13 $ 2,279,000 $ 175,307 $ 84,000
Madera, California 12 $ 2,339,000 $ 194,916 $ 66,000
Chaffee, Colorado 12 $ 4,295,000 $ 357,916 $ 86,000
Ouray, Colorado 12 $ 3,255,000 $ 271,250 $ 175,000
Pueblo, Colorado 12 $ 2,269,000 $ 189,083 $ 105,000
LaSalle, Illinois 12 $ 1,808,000 $ 150,666 $ 86,000
Mille Lacs, Minnesota 12 $ 1,803,000 $ 150,250 $ 55,000
Olmsted, Minnesota 12 $ 1,390,000 $ 115,833 $ 51,000
Valencia, New Mexico 12 $ 1,495,000 $ 124,583 $ 58,000
Sevier, Tennessee 12 $ 1,658,000 $ 138,166 $ 63,000
Larimer, Colorado 11 $ 2,965,000 $ 269,545 $ 83,000
Clark, Washington 11 $ 3,094,000 $ 281,272 $ 86,000
Navajo, Arizona 10 $ 1,984,000 $ 198,400 $ 116,000
San Luis Obispo, California 10 $ 5,305,000 $ 530,500 $ 283,000
Rockdale, Georgia 10 $ 1,799,000 $ 179,900 $ 77,000
Winnebago, Illinois 10 $ 1,161,000 $ 116,100 $ 47,000
Ingham, Michigan 10 $ 1,008,000 $ 100,800 $ 63,000
Pine, Minnesota 10 $ 1,733,000 $ 173,300 $ 69,000
Kitsap, Washington 10 $ 2,584,000 $ 258,400 $ 66,000
Morgan, Colorado 9 $ 1,361,000 $ 151,222 $ 36,000
Fayette, Georgia 9 $ 1,916,000 $ 212,888 $ 82,000
McLeod, Minnesota 9 $ 1,704,000 $ 189,333 $ 72,000
Stearns, Minnesota 9 $ 2,312,000 $ 256,888 $ 180,000
Clackamas, Oregon 9 $ 5,408,000 $ 600,888 $ 260,000
Hamblen, Tennessee 9 $ 860,000 $ 95,555 $ 34,000
Travis, Texas 9 $ 2,822,000 $ 313,555 $ 174,000
Iron, Utah 9 $ 1,197,000 $ 133,000 $ 36,000
Polk, Wisconsin 9 $ 1,506,000 $ 167,333 $ 89,000
Kings, California 8 $ 1,767,000 $ 220,875 $ 75,000
Nevada, California 8 $ 2,588,000 $ 323,500 $ 115,000
Yolo, California 8 $ 2,359,000 $ 294,875 $ 118,000
Grand, Colorado 8 $ 2,002,000 $ 250,250 $ 149,000
Park, Colorado 8 $ 2,072,000 $ 259,000 $ 123,000
Kauai, Hawaii 8 $ 3,407,000 $ 425,875 $ 104,000
Ellis, Texas 8 $ 1,865,000 $ 233,125 $ 94,000
Johnson, Texas 8 $ 1,661,000 $ 207,625 $ 72,000
Williamson, Texas 8 $ 1,910,000 $ 238,750 $ 136,000
Davis, Utah 8 $ 1,471,000 $ 183,875 $ 64,000
Walworth, Wisconsin 8 $ 1,252,000 $ 156,500 $ 62,000
Cochise, Arizona 7 $ 1,005,000 $ 143,571 $ 88,000
Butte, California 7 $ 2,111,000 $ 301,571 $ 126,000
Sutter, California 7 $ 1,286,000 $ 183,714 $ 65,000
Hinsdale, Colorado 7 $ 1,698,000 $ 242,571 $ 73,000
Teller, Colorado 7 $ 2,081,000 $ 297,285 $ 83,000
Walton, Georgia 7 $ 1,328,000 $ 189,714 $ 75,000
DeKalb, Illinois 7 $ 1,320,000 $ 188,571 $ 70,000
Goodhue, Minnesota 7 $ 1,341,000 $ 191,571 $ 58,000
Lake, Minnesota 7 $ 1,038,000 $ 148,285 $ 57,000
Mason, Washington 7 $ 1,196,000 $ 170,857 $ 65,000
Yakima, Washington 7 $ 1,619,000 $ 231,285 $ 83,000
San Miguel, Colorado 6 $ 2,383,000 $ 397,166 $ 106,000
Floyd, Georgia 6 $ 811,000 $ 135,166 $ 62,000
Kankakee, Illinois 6 $ 688,000 $ 114,666 $ 72,000
Ogle, Illinois 6 $ 788,000 $ 131,333 $ 73,000
Nye, Nevada 6 $ 797,000 $ 132,833 $ 51,000
Deschutes, Oregon 6 $ 1,668,000 $ 278,000 $ 168,000
Galveston, Texas 6 $ 1,248,000 $ 208,000 $ 97,000
Hays, Texas 6 $ 1,227,000 $ 204,500 $ 62,000
Montgomery, Texas 6 $ 1,462,000 $ 243,666 $ 102,000
Grant, Washington 6 $ 1,620,000 $ 270,000 $ 94,000
Racine, Wisconsin 6 $ 975,000 $ 162,500 $ 76,000
Greenlee, Arizona 5 $ 829,000 $ 165,800 $ 79,000
Mariposa, California 5 $ 1,081,000 $ 216,200 $ 68,000
Shasta, California 5 $ 1,322,000 $ 264,400 $ 72,000
Dawson, Georgia 5 $ 1,090,000 $ 218,000 $ 78,000
Newton, Georgia 5 $ 1,041,000 $ 208,200 $ 103,000
Gem, Idaho 5 $ 805,000 $ 161,000 $ 103,000
Boone, Illinois 5 $ 789,000 $ 157,800 $ 75,000
Lake, Indiana 5 $ 956,000 $ 191,200 $ 67,000
Aitkin, Minnesota 5 $ 849,000 $ 169,800 $ 101,000
Benton, Minnesota 5 $ 820,000 $ 164,000 $ 67,000
Le Sueur, Minnesota 5 $ 849,000 $ 169,800 $ 64,000
Henderson, North Carolina 5 $ 1,205,000 $ 241,000 $ 66,000
McClain, Oklahoma 5 $ 831,000 $ 166,200 $ 67,000
Weber, Utah 5 $ 539,000 $ 107,800 $ 70,000
Grays Harbor, Washington 5 $ 1,114,000 $ 222,800 $ 126,000
Crook, Wyoming 5 $ 957,000 $ 191,400 $ 71,000
Imperial, California 4 $ 1,079,000 $ 269,750 $ 123,000
Tuolumne, California 4 $ 1,118,000 $ 279,500 $ 119,000
Elbert, Colorado 4 $ 1,598,000 $ 399,500 $ 120,000
Lake, Colorado 4 $ 813,000 $ 203,250 $ 59,000
Carroll, Georgia 4 $ 857,000 $ 214,250 $ 81,000
Greene, Georgia 4 $ 979,000 $ 244,750 $ 116,000
Muscogee, Georgia 4 $ 469,000 $ 117,250 $ 38,000
Pickens, Georgia 4 $ 1,191,000 $ 297,750 $ 123,000
Putnam, Georgia 4 $ 718,000 $ 179,500 $ 80,000
Hawaii, Hawaii 4 $ 1,628,000 $ 407,000 $ 89,000
Twin Falls, Idaho 4 $ 451,000 $ 112,750 $ 100,000
Jefferson, Louisiana 4 $ 870,000 $ 217,500 $ 100,000
Eaton, Michigan 4 $ 586,000 $ 146,500 $ 60,000
Dodge, Minnesota 4 $ 785,000 $ 196,250 $ 95,000
Meeker, Minnesota 4 $ 482,000 $ 120,500 $ 57,000
Morrison, Minnesota 4 $ 498,000 $ 124,500 $ 56,000
Mower, Minnesota 4 $ 521,000 $ 130,250 $ 58,000
Wadena, Minnesota 4 $ 490,000 $ 122,500 $ 57,000
Flathead, Montana 4 $ 1,234,000 $ 308,500 $ 250,000
Washoe, Nevada 4 $ 1,246,000 $ 311,500 $ 101,000
Spartanburg, South Carolina 4 $ 962,000 $ 240,500 $ 75,000
Cocke, Tennessee 4 $ 373,000 $ 93,250 $ 32,000
El Paso, Texas 4 $ 961,000 $ 240,250 $ 142,000
Parker, Texas 4 $ 470,000 $ 117,500 $ 53,000
Tooele, Utah 4 $ 913,000 $ 228,250 $ 80,000
Wasatch, Utah 4 $ 1,156,000 $ 289,000 $ 81,000
Eau Claire, Wisconsin 4 $ 474,000 $ 118,500 $ 74,000
Milwaukee, Wisconsin 4 $ 746,000 $ 186,500 $ 88,000
Apache, Arizona 3 $ 586,000 $ 195,333 $ 123,000
Santa Cruz, Arizona 3 $ 967,000 $ 322,333 $ 105,000
Mono, California 3 $ 738,000 $ 246,000 $ 181,000
Lee, Florida 3 $ 774,000 $ 258,000 $ 88,000
St. Johns, Florida 3 $ 2,212,000 $ 737,333 $ 274,000
Clarke, Georgia 3 $ 353,000 $ 117,666 $ 48,000
Gilmer, Georgia 3 $ 438,000 $ 146,000 $ 101,000
Valley, Idaho 3 $ 2,405,000 $ 801,666 $ 287,000
Kandiyohi, Minnesota 3 $ 390,000 $ 130,000 $ 76,000
Otter Tail, Minnesota 3 $ 477,000 $ 159,000 $ 61,000
Torrance, New Mexico 3 $ 263,000 $ 87,666 $ 29,000
Logan, North Dakota 3 $ 531,000 $ 177,000 $ 90,000
Clatsop, Oregon 3 $ 631,000 $ 210,333 $ 218,000
Yamhill, Oregon 3 $ 779,000 $ 259,666 $ 91,000
Charleston, South Carolina 3 $ 764,000 $ 254,666 $ 116,000
Kershaw, South Carolina 3 $ 405,000 $ 135,000 $ 47,000
Smith, Texas 3 $ 579,000 $ 193,000 $ 57,000
Carbon, Utah 3 $ 310,000 $ 103,333 $ 33,000
Uintah, Utah 3 $ 626,000 $ 208,666 $ 63,000
Jefferson, Washington 3 $ 1,041,000 $ 347,000 $ 91,000
Sawyer, Wisconsin 3 $ 250,000 $ 83,333 $ 112,000
Russell, Alabama 2 $ 485,000 $ 242,500 $ 60,000
Lassen, California 2 $ 462,000 $ 231,000 $ 128,000
Plumas, California 2 $ 358,000 $ 179,000 $ 103,000
Alamosa, Colorado 2 $ 214,000 $ 107,000 $ 59,000
Fremont, Colorado 2 $ 308,000 $ 154,000 $ 53,000
Jackson, Colorado 2 $ 354,000 $ 177,000 $ 55,000
La Plata, Colorado 2 $ 528,000 $ 264,000 $ 265,000
Logan, Colorado 2 $ 214,000 $ 107,000 $ 40,000
Harris, Georgia 2 $ 592,000 $ 296,000 $ 83,000
Hart, Georgia 2 $ 500,000 $ 250,000 $ 103,000
Houston, Georgia 2 $ 507,000 $ 253,500 $ 191,000
Morgan, Georgia 2 $ 609,000 $ 304,500 $ 47,000
Oconee, Georgia 2 $ 775,000 $ 387,500 $ 241,000
Spalding, Georgia 2 $ 255,000 $ 127,500 $ 38,000
Kootenai, Idaho 2 $ 235,000 $ 117,500 $ 193,000
Payette, Idaho 2 $ 249,000 $ 124,500 $ 49,000
Teton, Idaho 2 $ 456,000 $ 228,000 $ 120,000
Madison, Illinois 2 $ 498,000 $ 249,000 $ 151,000
Beltrami, Minnesota 2 $ 477,000 $ 238,500 $ 111,000
Douglas, Minnesota 2 $ 340,000 $ 170,000 $ 60,000
Hubbard, Minnesota 2 $ 302,000 $ 151,000 $ 117,000
Kanabec, Minnesota 2 $ 384,000 $ 192,000 $ 89,000
Sibley, Minnesota 2 $ 215,000 $ 107,500 $ 30,000
Transylvania, North Carolina 2 $ 384,000 $ 192,000 $ 52,000
Burleigh, North Dakota 2 $ 368,000 $ 184,000 $ 31,000
Cass, North Dakota 2 $ 334,000 $ 167,000 $ 93,000
Mountrail, North Dakota 2 $ 355,000 $ 177,500 $ 64,000
Pottawatomie, Oklahoma 2 $ 220,000 $ 110,000 $ 39,000
Texas, Oklahoma 2 $ 235,000 $ 117,500 $ 60,000
Coos, Oregon 2 $ 449,000 $ 224,500 $ 123,000
Josephine, Oregon 2 $ 519,000 $ 259,500 $ 22,000
Lane, Oregon 2 $ 606,000 $ 303,000 $ 24,000
Linn, Oregon 2 $ 426,000 $ 213,000 $ 35,000
Anderson, South Carolina 2 $ 522,000 $ 261,000 $ 162,000
Knox, Tennessee 2 $ 308,000 $ 154,000 $ 56,000
Loudon, Tennessee 2 $ 274,000 $ 137,000 $ 39,000
Roane, Tennessee 2 $ 249,000 $ 124,500 $ 41,000
Bell, Texas 2 $ 232,000 $ 116,000 $ 79,000
Fort Bend, Texas 2 $ 518,000 $ 259,000 $ 115,000
Grayson, Texas 2 $ 511,000 $ 255,500 $ 127,000
Hood, Texas 2 $ 492,000 $ 246,000 $ 141,000
Kaufman, Texas 2 $ 434,000 $ 217,000 $ 80,000
Kerr, Texas 2 $ 191,000 $ 95,500 $ 31,000
Lubbock, Texas 2 $ 395,000 $ 197,500 $ 66,000
McLennan, Texas 2 $ 370,000 $ 185,000 $ 75,000
Midland, Texas 2 $ 621,000 $ 310,500 $ 84,000
Nueces, Texas 2 $ 576,000 $ 288,000 $ 155,000
Waller, Texas 2 $ 460,000 $ 230,000 $ 92,000
Wise, Texas 2 $ 189,000 $ 94,500 $ 37,000
Kane, Utah 2 $ 614,000 $ 307,000 $ 188,000
Summit, Utah 2 $ 1,216,000 $ 608,000 $ 338,000
Benton, Washington 2 $ 618,000 $ 309,000 $ 46,000
Lewis, Washington 2 $ 283,000 $ 141,500 $ 81,000
Lincoln, Washington 2 $ 132,000 $ 66,000 $ 73,000
Whitman, Washington 2 $ 352,000 $ 176,000 $ 104,000
Bayfield, Wisconsin 2 $ 543,000 $ 271,500 $ 142,000
Douglas, Wisconsin 2 $ 364,000 $ 182,000 $ 85,000
Dunn, Wisconsin 2 $ 445,000 $ 222,500 $ 81,000
Waukesha, Wisconsin 2 $ 523,000 $ 261,500 $ 158,000
Laramie, Wyoming 2 $ 410,000 $ 205,000 $ 89,000
Baldwin, Alabama 1 $ 417,000 $ 417,000 $ 172,000
Jefferson, Alabama 1 $ 253,000 $ 253,000 $ 102,000
Lee, Alabama 1 $ 282,000 $ 282,000 $ 80,000
Mobile, Alabama 1 $ 66,000 $ 66,000 $ 25,000
Alpine, California 1 $ 382,000 $ 382,000 $ 281,000
Glenn, California 1 $ 268,000 $ 268,000 $ 72,000
Humboldt, California 1 $ 179,000 $ 179,000 $ 79,000
Inyo, California 1 $ 215,000 $ 215,000 $ 179,000
Siskiyou, California 1 $ 172,000 $ 172,000 $ 36,000
Yuba, California 1 $ 168,000 $ 168,000 $ 55,000
Clear Creek, Colorado 1 $ 290,000 $ 290,000 $ 54,000
Conejos, Colorado 1 $ 130,000 $ 130,000 $ 75,000
Las Animas, Colorado 1 $ 70,000 $ 70,000 $ 25,000
Montezuma, Colorado 1 $ 167,000 $ 167,000 $ 35,000
Bay, Florida 1 $ 417,000 $ 417,000 $ 2,115,000
Clay, Florida 1 $ 271,000 $ 271,000 $ 108,000
Collier, Florida 1 $ 360,000 $ 360,000 $ 227,000
Gulf, Florida 1 $ 277,000 $ 277,000 $ 90,000
Marion, Florida 1 $ 383,000 $ 383,000 $ 4,354,000
Miami-Dade, Florida 1 $ 417,000 $ 417,000 $ 140,000
Nassau, Florida 1 $ 176,000 $ 176,000 $ 147,000
Okaloosa, Florida 1 $ 356,000 $ 356,000 $ 100,000
Osceola, Florida 1 $ 231,000 $ 231,000 $ 85,000
Palm Beach, Florida 1 $ 693,000 $ 693,000 $ 242,000
Pasco, Florida 1 $ 98,000 $ 98,000 $ 74,000
Sarasota, Florida 1 $ 400,000 $ 400,000 $ 168,000
Sumter, Florida 1 $ 135,000 $ 135,000 $ 60,000
Walton, Florida 1 $ 324,000 $ 324,000 $ 294,000
Bibb, Georgia 1 $ 225,000 $ 225,000 $ 107,000
Chattooga, Georgia 1 $ 314,000 $ 314,000 $ 244,000
Colquitt, Georgia 1 $ 261,000 $ 261,000 $ 197,000
Columbia, Georgia 1 $ 150,000 $ 150,000 $ 91,000
Dade, Georgia 1 $ 115,000 $ 115,000 $ 75,000
Dougherty, Georgia 1 $ 196,000 $ 196,000 $ 107,000
Fannin, Georgia 1 $ 180,000 $ 180,000 $ 413,000
Liberty, Georgia 1 $ 186,000 $ 186,000 $ 62,000
Madison, Georgia 1 $ 241,000 $ 241,000 $ 60,000
Meriwether, Georgia 1 $ 118,000 $ 118,000 $ 61,000
Monroe, Georgia 1 $ 348,000 $ 348,000 $ 303,000
Peach, Georgia 1 $ 169,000 $ 169,000 $ 51,000
Polk, Georgia 1 $ 399,000 $ 399,000 $ 112,000
Rabun, Georgia 1 $ 220,000 $ 220,000 $ 462,000
Richmond, Georgia 1 $ 52,000 $ 52,000 $ 16,000
Stephens, Georgia 1 $ 180,000 $ 180,000 $ 364,000
Thomas, Georgia 1 $ 184,000 $ 184,000 $ 109,000
Troup, Georgia 1 $ 113,000 $ 113,000 $ 84,000
Bear Lake, Idaho 1 $ 214,000 $ 214,000 $ 250,000
Boise, Idaho 1 $ 172,000 $ 172,000 $ 44,000
Bonneville, Idaho 1 $ 120,000 $ 120,000 $ 50,000
Washington, Idaho 1 $ 160,000 $ 160,000 $ 61,000
Carroll, Illinois 1 $ 367,000 $ 367,000 $ 224,000
Champaign, Illinois 1 $ 51,000 $ 51,000 $ 30,000
Iroquois, Illinois 1 $ 169,000 $ 169,000 $ 90,000
Jackson, Illinois 1 $ 70,000 $ 70,000 $ 34,000
Jo Daviess, Illinois 1 $ 362,000 $ 362,000 $ 226,000
Livingston, Illinois 1 $ 123,000 $ 123,000 $ 99,000
Rock Island, Illinois 1 $ 62,000 $ 62,000 $ 156,000
Marion, Indiana 1 $ 50,000 $ 50,000 $ 94,000
St. Joseph, Indiana 1 $ 269,000 $ 269,000 $ 125,000
Johnson, Kansas 1 $ 417,000 $ 417,000 $ 83,000
Calcasieu, Louisiana 1 $ 198,000 $ 198,000 $ 58,000
St. Tammany, Louisiana 1 $ 344,000 $ 344,000 $ 109,000
West Baton Rouge, Louisiana 1 $ 272,000 $ 272,000 $ 103,000
West Feliciana, Louisiana 1 $ 257,000 $ 257,000 $ 152,000
Barry, Michigan 1 $ 100,000 $ 100,000 $ 38,000
Berrien, Michigan 1 $ 58,000 $ 58,000 $ 69,000
Calhoun, Michigan 1 $ 220,000 $ 220,000 $ 72,000
Cass, Michigan 1 $ 85,000 $ 85,000 $ 419,000
Clinton, Michigan 1 $ 226,000 $ 226,000 $ 97,000
Jackson, Michigan 1 $ 72,000 $ 72,000 $ 39,000
Kent, Michigan 1 $ 270,000 $ 270,000 $ 105,000
Ottawa, Michigan 1 $ 90,000 $ 90,000 $ 33,000
Big Stone, Minnesota 1 $ 200,000 $ 200,000 $ 128,000
Blue Earth, Minnesota 1 $ 273,000 $ 273,000 $ 89,000
Carlton, Minnesota 1 $ 88,000 $ 88,000 $ 55,000
Clearwater, Minnesota 1 $ 152,000 $ 152,000 $ 53,000
Cook, Minnesota 1 $ 198,000 $ 198,000 $ 108,000
Faribault, Minnesota 1 $ 81,000 $ 81,000 $ 32,000
Fillmore, Minnesota 1 $ 173,000 $ 173,000 $ 40,000
Itasca, Minnesota 1 $ 100,000 $ 100,000 $ 144,000
Nicollet, Minnesota 1 $ 143,000 $ 143,000 $ 50,000
Polk, Minnesota 1 $ 114,000 $ 114,000 $ 78,000
Red Lake, Minnesota 1 $ 129,000 $ 129,000 $ 37,000
Renville, Minnesota 1 $ 71,000 $ 71,000 $ 91,000
Todd, Minnesota 1 $ 230,000 $ 230,000 $ 172,000
Traverse, Minnesota 1 $ 42,000 $ 42,000 $ 74,000
Waseca, Minnesota 1 $ 62,000 $ 62,000 $ 29,000
Winona, Minnesota 1 $ 221,000 $ 221,000 $ 117,000
Missoula, Montana 1 $ 219,000 $ 219,000 $ 40,000
Prairie, Montana 1 $ 162,000 $ 162,000 $ 105,000
Ravalli, Montana 1 $ 226,000 $ 226,000 $ 91,000
Sarpy, Nebraska 1 $ 238,000 $ 238,000 $ 122,000
Elko, Nevada 1 $ 196,000 $ 196,000 $ 70,000
Lyon, Nevada 1 $ 50,000 $ 50,000 $ 43,000
Dona Ana, New Mexico 1 $ 187,000 $ 187,000 $ 80,000
Rio Arriba, New Mexico 1 $ 205,000 $ 205,000 $ 78,000
San Juan, New Mexico 1 $ 280,000 $ 280,000 $ 119,000
San Miguel, New Mexico 1 $ 144,000 $ 144,000 $ 52,000
Socorro, New Mexico 1 $ 57,000 $ 57,000 $ 77,000
Cabarrus, North Carolina 1 $ 149,000 $ 149,000 $ 61,000
Guilford, North Carolina 1 $ 56,000 $ 56,000 $ 93,000
Hyde, North Carolina 1 $ 294,000 $ 294,000 $ 62,000
Lincoln, North Carolina 1 $ 179,000 $ 179,000 $ 49,000
Mecklenburg, North Carolina 1 $ 390,000 $ 390,000 $ 184,000
Moore, North Carolina 1 $ 91,000 $ 91,000 $ 226,000
Wake, North Carolina 1 $ 735,000 $ 735,000 $ 153,000
Morton, North Dakota 1 $ 158,000 $ 158,000 $ 73,000
Pierce, North Dakota 1 $ 78,000 $ 78,000 $ 24,000
Ward, North Dakota 1 $ 108,000 $ 108,000 $ 27,000
Williams, North Dakota 1 $ 289,000 $ 289,000 $ 137,000
Grady, Oklahoma 1 $ 86,000 $ 86,000 $ 57,000
Harper, Oklahoma 1 $ 57,000 $ 57,000 $ 37,000
Jackson, Oklahoma 1 $ 162,000 $ 162,000 $ 78,000
Logan, Oklahoma 1 $ 51,000 $ 51,000 $ 56,000
Okmulgee, Oklahoma 1 $ 325,000 $ 325,000 $ 91,000
Tulsa, Oklahoma 1 $ 72,000 $ 72,000 $ 23,000
Benton, Oregon 1 $ 115,000 $ 115,000 $ 39,000
Columbia, Oregon 1 $ 547,000 $ 547,000 $ 225,000
Douglas, Oregon 1 $ 202,000 $ 202,000 $ 91,000
Jackson, Oregon 1 $ 417,000 $ 417,000 $ 197,000
Jefferson, Oregon 1 $ 280,000 $ 280,000 $ 69,000
Klamath, Oregon 1 $ 150,000 $ 150,000 $ 92,000
Marion, Oregon 1 $ 124,000 $ 124,000 $ 42,000
Polk, Oregon 1 $ 300,000 $ 300,000 $ 58,000
Umatilla, Oregon 1 $ 130,000 $ 130,000 $ 0
Beaufort, South Carolina 1 $ 517,000 $ 517,000 $ 150,000
Berkeley, South Carolina 1 $ 417,000 $ 417,000 $ 117,000
Florence, South Carolina 1 $ 203,000 $ 203,000 $ 96,000
Newberry, South Carolina 1 $ 636,000 $ 636,000 $ 200,000
Custer, South Dakota 1 $ 220,000 $ 220,000 $ 58,000
Hamlin, South Dakota 1 $ 266,000 $ 266,000 $ 105,000
Minnehaha, South Dakota 1 $ 118,000 $ 118,000 $ 77,000
Blount, Tennessee 1 $ 130,000 $ 130,000 $ 32,000
Grainger, Tennessee 1 $ 56,000 $ 56,000 $ 83,000
Greene, Tennessee 1 $ 77,000 $ 77,000 $ 31,000
Hawkins, Tennessee 1 $ 122,000 $ 122,000 $ 71,000
Montgomery, Tennessee 1 $ 76,000 $ 76,000 $ 61,000
Union, Tennessee 1 $ 92,000 $ 92,000 $ 32,000
Washington, Tennessee 1 $ 108,000 $ 108,000 $ 250,000
Wilson, Tennessee 1 $ 132,000 $ 132,000 $ 60,000
Atascosa, Texas 1 $ 236,000 $ 236,000 $ 123,000
Brazoria, Texas 1 $ 598,000 $ 598,000 $ 248,000
Burnet, Texas 1 $ 243,000 $ 243,000 $ 93,000
Camp, Texas 1 $ 126,000 $ 126,000 $ 39,000
Colorado, Texas 1 $ 328,000 $ 328,000 $ 74,000
Comal, Texas 1 $ 218,000 $ 218,000 $ 106,000
Coryell, Texas 1 $ 148,000 $ 148,000 $ 0
Eastland, Texas 1 $ 74,000 $ 74,000 $ 75,000
Fayette, Texas 1 $ 275,000 $ 275,000 $ 74,000
Gregg, Texas 1 $ 136,000 $ 136,000 $ 54,000
Grimes, Texas 1 $ 150,000 $ 150,000 $ 187,000
Hardeman, Texas 1 $ 50,000 $ 50,000 $ 108,000
Harrison, Texas 1 $ 216,000 $ 216,000 $ 75,000
Houston, Texas 1 $ 177,000 $ 177,000 $ 95,000
Jefferson, Texas 1 $ 142,000 $ 142,000 $ 38,000
Kleberg, Texas 1 $ 360,000 $ 360,000 $ 130,000
Lamar, Texas 1 $ 195,000 $ 195,000 $ 97,000
Liberty, Texas 1 $ 160,000 $ 160,000 $ 47,000
Llano, Texas 1 $ 110,000 $ 110,000 $ 138,000
Martin, Texas 1 $ 195,000 $ 195,000 $ 69,000
Matagorda, Texas 1 $ 182,000 $ 182,000 $ 84,000
Medina, Texas 1 $ 143,000 $ 143,000 $ 52,000
Nacogdoches, Texas 1 $ 82,000 $ 82,000 $ 36,000
Randall, Texas 1 $ 97,000 $ 97,000 $ 107,000
San Patricio, Texas 1 $ 260,000 $ 260,000 $ 145,000
Taylor, Texas 1 $ 164,000 $ 164,000 $ 98,000
Tom Green, Texas 1 $ 155,000 $ 155,000 $ 115,000
Upshur, Texas 1 $ 173,000 $ 173,000 $ 51,000
Washington, Texas 1 $ 119,000 $ 119,000 $ 30,000
Wilson, Texas 1 $ 296,000 $ 296,000 $ 59,000
Young, Texas 1 $ 275,000 $ 275,000 $ 129,000
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Mortgage Loan Application Detail Totals for Bay Equity LLC in 2016

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 13,629 $3,606,098,000 $264,000 $2,495,000 $93,000 $4,354,000
Refinancing 7,203 $2,298,625,000 $319,000 $2,970,000 $112,000 $4,682,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 13,434 $3,752,190,000 $279,000 $2,750,000 $104,000 $4,354,000
Hispanic 3,965 $1,027,091,000 $259,000 $1,184,000 $75,000 $705,000
Not Provided 1,531 $564,023,000 $368,000 $2,362,000 $127,000 $4,682,000
Asian 913 $312,971,000 $342,000 $2,970,000 $115,000 $799,000
Black or African American 760 $182,321,000 $239,000 $855,000 $82,000 $741,000
Native Hawaiin or Other Pacific Islander 118 $36,425,000 $308,000 $850,000 $103,000 $673,000
American Indian or Alaskan Native 111 $29,702,000 $267,000 $1,999,000 $89,000 $426,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 12,830 $3,832,069,000 $298,000 $2,970,000 $118,000 $4,682,000
FHA-insured (Federal Housing Administration) 5,809 $1,414,298,000 $243,000 $815,000 $70,000 $501,000
VA-guaranteed (Veterans Administration) 1,744 $572,608,000 $328,000 $2,350,000 $79,000 $729,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 449 $85,748,000 $190,000 $558,000 $55,000 $132,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 15,848 $4,452,848,000 $280,000 $2,640,000 $100,000 $4,354,000
File Closed For Incompleteness 2,153 $627,330,000 $291,000 $2,750,000 $104,000 $2,115,000
Application Denied By Financial Institution 1,686 $509,894,000 $302,000 $2,970,000 $101,000 $4,682,000
Application Withdrawn By Applicant 921 $248,095,000 $269,000 $1,296,000 $97,000 $2,437,000
Application Approved But Not Accepted 113 $33,316,000 $294,000 $1,230,000 $107,000 $421,000
Preapproval Denied by Financial Institution 97 $28,760,000 $296,000 $694,000 $91,000 $669,000
Preapproval Approved but not Accepted 14 $4,480,000 $320,000 $562,000 $81,000 $166,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 452 $119,333,000 $264,000 $1,400,000 $96,000 $599,000
Unverifiable Information 379 $131,408,000 $346,000 $1,999,000 $110,000 $669,000
Credit Application Incomplete 308 $89,065,000 $289,000 $1,600,000 $117,000 $4,682,000
Credit History 245 $69,108,000 $282,000 $2,970,000 $90,000 $602,000
Debt-To-Income Ratio 221 $74,733,000 $338,000 $2,338,000 $89,000 $741,000
Insufficient Cash (Downpayment, Closing Cost) 87 $28,415,000 $326,000 $932,000 $93,000 $450,000
Employment History 78 $23,988,000 $307,000 $1,596,000 $83,000 $482,000
Other 9 $1,927,000 $214,000 $404,000 $77,000 $178,000
Mortgage Insurance Denied 1 $176,000 $176,000 $176,000 $204,000 $204,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay Equity LLC's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bay Equity LLC's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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