Bay Equity LLC Mortgage Lending & HMDA Data, 2023

In 2023, Bay Equity LLC of Detroit, MI reported 14,302 mortgage applications totaling $5.7 billion, down 30% from 2022. The average application was for $400,019, and applicants reported an average income of $154,978. 64% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (1,131), Minneapolis-St. Paul-Bloomington, MN-WI (744) and Washington-Arlington-Alexandria, DC-VA-MD-WV (610) (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 14,302
Total Mortgage Loan Application Amount $5,721,080,000
Average Mortgage Loan Application Amount $400,019
Highest Mortgage Loan Application Amount $4,255,000
Average Applicant Income $154,978
Highest Applicant Income $7,183,000

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Act (HMDA) records Bay Equity LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 815 $ 242,175,000 $ 297,147 $ 133,000
Maricopa, Arizona 418 $ 163,160,000 $ 390,334 $ 158,000
King, Washington 403 $ 238,535,000 $ 591,898 $ 201,000
Pierce, Washington 396 $ 177,710,000 $ 448,762 $ 142,000
San Diego, California 282 $ 184,430,000 $ 654,007 $ 216,000
Montgomery, Maryland 234 $ 116,030,000 $ 495,854 $ 175,000
Hennepin, Minnesota 218 $ 64,140,000 $ 294,220 $ 121,000
El Paso, Colorado 213 $ 85,625,000 $ 401,995 $ 129,000
Garfield, Colorado 204 $ 92,630,000 $ 454,068 $ 153,000
Lake, Illinois 159 $ 47,875,000 $ 301,100 $ 147,000
Campbell, Wyoming 148 $ 36,760,000 $ 248,378 $ 97,000
Fairfax, Virginia 142 $ 70,650,000 $ 497,535 $ 191,000
Los Angeles, California 139 $ 76,605,000 $ 551,115 $ 188,000
Harris, Texas 139 $ 46,575,000 $ 335,071 $ 159,000
Will, Illinois 135 $ 39,355,000 $ 291,518 $ 122,000
DuPage, Illinois 124 $ 39,070,000 $ 315,080 $ 140,000
Lee, Florida 119 $ 41,755,000 $ 350,882 $ 128,000
Riverside, California 115 $ 52,045,000 $ 452,565 $ 158,000
Travis, Texas 110 $ 52,180,000 $ 474,363 $ 202,000
Snohomish, Washington 107 $ 58,025,000 $ 542,289 $ 169,000
Prince George's, Maryland 105 $ 38,955,000 $ 371,000 $ 145,000
Thurston, Washington 105 $ 45,165,000 $ 430,142 $ 153,000
Clark, Nevada 104 $ 34,600,000 $ 332,692 $ 167,000
Fulton, Georgia 99 $ 42,945,000 $ 433,787 $ 217,000
Allegheny, Pennsylvania 96 $ 23,920,000 $ 249,166 $ 122,000
Washington, Utah 94 $ 42,100,000 $ 447,872 $ 156,000
Flathead, Montana 92 $ 34,200,000 $ 371,739 $ 184,000
San Bernardino, California 84 $ 37,110,000 $ 441,785 $ 136,000
Anoka, Minnesota 83 $ 24,505,000 $ 295,240 $ 110,000
Ramsey, Minnesota 82 $ 20,340,000 $ 248,048 $ 99,000
Multnomah, Oregon 81 $ 33,485,000 $ 413,395 $ 177,000
Denver, Colorado 77 $ 42,805,000 $ 555,909 $ 216,000
Williamson, Texas 77 $ 32,155,000 $ 417,597 $ 190,000
Dakota, Minnesota 76 $ 23,710,000 $ 311,973 $ 125,000
Dallas, Texas 76 $ 31,190,000 $ 410,394 $ 186,000
Washoe, Nevada 75 $ 35,445,000 $ 472,600 $ 210,000
Prince William, Virginia 75 $ 34,645,000 $ 461,933 $ 155,000
Collin, Texas 74 $ 31,420,000 $ 424,594 $ 186,000
Denton, Texas 74 $ 34,060,000 $ 460,270 $ 189,000
Tarrant, Texas 74 $ 26,270,000 $ 355,000 $ 170,000
Kane, Illinois 71 $ 20,595,000 $ 290,070 $ 137,000
Worcester, Massachusetts 70 $ 26,320,000 $ 376,000 $ 156,000
Orange, California 68 $ 48,630,000 $ 715,147 $ 306,000
Cobb, Georgia 67 $ 28,365,000 $ 423,358 $ 160,000
Contra Costa, California 66 $ 42,760,000 $ 647,878 $ 229,000
Anne Arundel, Maryland 66 $ 28,540,000 $ 432,424 $ 158,000
Bexar, Texas 66 $ 20,690,000 $ 313,484 $ 157,000
Pinal, Arizona 65 $ 23,335,000 $ 359,000 $ 112,000
Alameda, California 65 $ 48,195,000 $ 741,461 $ 241,000
Jefferson, Colorado 63 $ 32,025,000 $ 508,333 $ 204,000
District of Columbia, District Of Columbia 62 $ 33,360,000 $ 538,064 $ 187,000
Palm Beach, Florida 60 $ 23,080,000 $ 384,666 $ 147,000
Baltimore City, Maryland 59 $ 15,195,000 $ 257,542 $ 139,000
Washington, Oregon 59 $ 24,945,000 $ 422,796 $ 161,000
St. Lucie, Florida 58 $ 21,800,000 $ 375,862 $ 116,000
Kitsap, Washington 58 $ 25,330,000 $ 436,724 $ 145,000
Arapahoe, Colorado 57 $ 22,195,000 $ 389,385 $ 134,000
Sacramento, California 56 $ 29,630,000 $ 529,107 $ 180,000
Gwinnett, Georgia 56 $ 21,540,000 $ 384,642 $ 158,000
Middlesex, Massachusetts 56 $ 34,470,000 $ 615,535 $ 220,000
Baltimore, Maryland 55 $ 21,585,000 $ 392,454 $ 156,000
Hartford, Connecticut 54 $ 14,460,000 $ 267,777 $ 121,000
Loudoun, Virginia 54 $ 30,130,000 $ 557,962 $ 204,000
Washington, Minnesota 53 $ 16,805,000 $ 317,075 $ 129,000
Broward, Florida 52 $ 25,750,000 $ 495,192 $ 208,000
Frederick, Maryland 52 $ 21,020,000 $ 404,230 $ 149,000
Howard, Maryland 52 $ 26,740,000 $ 514,230 $ 196,000
Wright, Minnesota 52 $ 17,440,000 $ 335,384 $ 143,000
Clark, Washington 52 $ 21,680,000 $ 416,923 $ 148,000
Bernalillo, New Mexico 51 $ 14,955,000 $ 293,235 $ 128,000
Nez Perce, Idaho 50 $ 13,820,000 $ 276,400 $ 94,000
Milwaukee, Wisconsin 50 $ 10,120,000 $ 202,400 $ 87,000
Mecklenburg, North Carolina 48 $ 16,620,000 $ 346,250 $ 132,000
Buncombe, North Carolina 47 $ 19,815,000 $ 421,595 $ 188,000
Pima, Arizona 46 $ 13,850,000 $ 301,086 $ 132,000
Adams, Colorado 46 $ 20,660,000 $ 449,130 $ 142,000
Jefferson, Kentucky 46 $ 10,350,000 $ 225,000 $ 97,000
Salt Lake, Utah 45 $ 22,645,000 $ 503,222 $ 179,000
Pitkin, Colorado 44 $ 14,380,000 $ 326,818 $ 138,000
Orange, Florida 44 $ 16,950,000 $ 385,227 $ 158,000
Ada, Idaho 44 $ 18,120,000 $ 411,818 $ 172,000
McHenry, Illinois 44 $ 11,670,000 $ 265,227 $ 124,000
Johnson, Kansas 43 $ 17,725,000 $ 412,209 $ 152,000
Pinellas, Florida 42 $ 17,820,000 $ 424,285 $ 165,000
Norfolk, Massachusetts 40 $ 21,290,000 $ 532,250 $ 188,000
Hillsborough, Florida 39 $ 13,765,000 $ 352,948 $ 155,000
Spokane, Washington 39 $ 13,975,000 $ 358,333 $ 129,000
Douglas, Colorado 38 $ 18,270,000 $ 480,789 $ 174,000
Sherburne, Minnesota 38 $ 12,350,000 $ 325,000 $ 126,000
Fresno, California 37 $ 15,515,000 $ 419,324 $ 158,000
DeKalb, Georgia 37 $ 13,845,000 $ 374,189 $ 156,000
Wake, North Carolina 37 $ 15,945,000 $ 430,945 $ 149,000
Montgomery, Pennsylvania 37 $ 14,845,000 $ 401,216 $ 169,000
St. Croix, Wisconsin 37 $ 12,515,000 $ 338,243 $ 126,000
Brevard, Florida 35 $ 10,915,000 $ 311,857 $ 137,000
Miami-Dade, Florida 35 $ 18,705,000 $ 534,428 $ 193,000
Placer, California 34 $ 15,860,000 $ 466,470 $ 276,000
Volusia, Florida 33 $ 9,485,000 $ 287,424 $ 119,000
Clackamas, Oregon 33 $ 14,505,000 $ 439,545 $ 145,000
Beaver, Pennsylvania 33 $ 5,885,000 $ 178,333 $ 100,000
Kendall, Illinois 32 $ 9,440,000 $ 295,000 $ 113,000
Providence, Rhode Island 32 $ 10,190,000 $ 318,437 $ 141,000
Fort Bend, Texas 32 $ 10,140,000 $ 316,875 $ 134,000
Forsyth, Georgia 31 $ 15,305,000 $ 493,709 $ 186,000
Charles, Maryland 30 $ 13,620,000 $ 454,000 $ 160,000
Flagler, Florida 29 $ 7,685,000 $ 265,000 $ 93,000
Cherokee, Georgia 29 $ 9,865,000 $ 340,172 $ 157,000
Utah, Utah 29 $ 13,195,000 $ 455,000 $ 161,000
Skagit, Washington 29 $ 12,905,000 $ 445,000 $ 133,000
El Dorado, California 28 $ 17,200,000 $ 614,285 $ 274,000
Alexandria, Virginia 27 $ 10,215,000 $ 378,333 $ 165,000
Polk, Florida 26 $ 7,400,000 $ 284,615 $ 122,000
Glynn, Georgia 26 $ 7,380,000 $ 283,846 $ 132,000
Weld, Colorado 25 $ 9,715,000 $ 388,600 $ 123,000
Seminole, Florida 25 $ 9,765,000 $ 390,600 $ 133,000
Marion, Oregon 25 $ 10,035,000 $ 401,400 $ 133,000
Lake, Florida 24 $ 7,410,000 $ 308,750 $ 150,000
Hillsborough, New Hampshire 24 $ 8,900,000 $ 370,833 $ 139,000
Philadelphia, Pennsylvania 24 $ 7,810,000 $ 325,416 $ 165,000
Richland, South Carolina 24 $ 5,820,000 $ 242,500 $ 105,000
Arlington, Virginia 24 $ 9,920,000 $ 413,333 $ 172,000
Stafford, Virginia 24 $ 11,370,000 $ 473,750 $ 169,000
Santa Clara, California 23 $ 21,325,000 $ 927,173 $ 294,000
Larimer, Colorado 23 $ 9,375,000 $ 407,608 $ 288,000
New Haven, Connecticut 23 $ 6,305,000 $ 274,130 $ 135,000
Scott, Minnesota 23 $ 7,065,000 $ 307,173 $ 167,000
St. Louis, Missouri 23 $ 6,575,000 $ 285,869 $ 111,000
Guilford, North Carolina 23 $ 5,955,000 $ 258,913 $ 106,000
Oklahoma, Oklahoma 23 $ 6,205,000 $ 269,782 $ 144,000
Lexington, South Carolina 23 $ 4,465,000 $ 194,130 $ 69,000
Davidson, Tennessee 23 $ 12,115,000 $ 526,739 $ 244,000
Osceola, Florida 22 $ 6,490,000 $ 295,000 $ 148,000
Essex, Massachusetts 22 $ 11,950,000 $ 543,181 $ 188,000
Jackson, Missouri 22 $ 5,020,000 $ 228,181 $ 104,000
Cass, North Dakota 22 $ 5,340,000 $ 242,727 $ 87,000
Knox, Tennessee 22 $ 6,300,000 $ 286,363 $ 170,000
Montgomery, Texas 22 $ 8,340,000 $ 379,090 $ 146,000
Pasco, Florida 21 $ 7,265,000 $ 345,952 $ 141,000
Henry, Georgia 20 $ 6,400,000 $ 320,000 $ 128,000
Calvert, Maryland 20 $ 8,240,000 $ 412,000 $ 208,000
Greenville, South Carolina 20 $ 5,560,000 $ 278,000 $ 114,000
Galveston, Texas 20 $ 6,630,000 $ 331,500 $ 199,000
Asotin, Washington 20 $ 5,700,000 $ 285,000 $ 111,000
Grays Harbor, Washington 20 $ 6,540,000 $ 327,000 $ 106,000
Mason, Washington 20 $ 7,140,000 $ 357,000 $ 114,000
Pierce, Wisconsin 20 $ 6,540,000 $ 327,000 $ 125,000
Yavapai, Arizona 19 $ 7,505,000 $ 395,000 $ 160,000
Collier, Florida 19 $ 8,365,000 $ 440,263 $ 391,000
Union, North Carolina 19 $ 7,215,000 $ 379,736 $ 151,000
Cuyahoga, Ohio 19 $ 3,785,000 $ 199,210 $ 96,000
Solano, California 18 $ 9,850,000 $ 547,222 $ 169,000
Mesa, Colorado 18 $ 6,810,000 $ 378,333 $ 143,000
Charlotte, Florida 18 $ 5,610,000 $ 311,666 $ 120,000
Duval, Florida 18 $ 5,480,000 $ 304,444 $ 118,000
Paulding, Georgia 18 $ 5,890,000 $ 327,222 $ 108,000
Canyon, Idaho 18 $ 6,690,000 $ 371,666 $ 162,000
Marion, Indiana 18 $ 4,670,000 $ 259,444 $ 116,000
Olmsted, Minnesota 18 $ 4,180,000 $ 232,222 $ 89,000
Washington, Pennsylvania 18 $ 3,030,000 $ 168,333 $ 121,000
Spotsylvania, Virginia 18 $ 6,900,000 $ 383,333 $ 152,000
Kern, California 17 $ 5,475,000 $ 322,058 $ 128,000
Pueblo, Colorado 17 $ 4,375,000 $ 257,352 $ 99,000
Honolulu, Hawaii 17 $ 8,065,000 $ 474,411 $ 202,000
Carroll, Maryland 17 $ 6,975,000 $ 410,294 $ 154,000
Isanti, Minnesota 17 $ 3,905,000 $ 229,705 $ 94,000
Eagle, Colorado 16 $ 15,330,000 $ 958,125 $ 371,000
Plymouth, Massachusetts 16 $ 7,410,000 $ 463,125 $ 170,000
Chisago, Minnesota 16 $ 5,550,000 $ 346,875 $ 116,000
Mille Lacs, Minnesota 16 $ 4,150,000 $ 259,375 $ 91,000
Burlington, New Jersey 16 $ 5,910,000 $ 369,375 $ 130,000
Santa Fe, New Mexico 16 $ 4,340,000 $ 271,250 $ 95,000
York, South Carolina 16 $ 6,550,000 $ 409,375 $ 145,000
Cowlitz, Washington 16 $ 5,070,000 $ 316,875 $ 115,000
Lewis, Washington 16 $ 6,010,000 $ 375,625 $ 100,000
Whatcom, Washington 16 $ 7,380,000 $ 461,250 $ 163,000
Dane, Wisconsin 16 $ 4,260,000 $ 266,250 $ 100,000
Fairfield, Connecticut 15 $ 7,565,000 $ 504,333 $ 188,000
Westmoreland, Pennsylvania 15 $ 2,955,000 $ 197,000 $ 85,000
Charleston, South Carolina 15 $ 5,795,000 $ 386,333 $ 144,000
Hamilton, Tennessee 15 $ 6,605,000 $ 440,333 $ 174,000
Brazoria, Texas 15 $ 4,175,000 $ 278,333 $ 134,000
Island, Washington 15 $ 6,265,000 $ 417,666 $ 131,000
San Joaquin, California 14 $ 6,580,000 $ 470,000 $ 127,000
San Mateo, California 14 $ 9,750,000 $ 696,428 $ 230,000
Gunnison, Colorado 14 $ 4,130,000 $ 295,000 $ 84,000
Clayton, Georgia 14 $ 3,480,000 $ 248,571 $ 88,000
Douglas, Georgia 14 $ 5,300,000 $ 378,571 $ 113,000
Washington, Maryland 14 $ 4,370,000 $ 312,142 $ 150,000
Bristol, Massachusetts 14 $ 5,840,000 $ 417,142 $ 151,000
Suffolk, Massachusetts 14 $ 9,200,000 $ 657,142 $ 257,000
Camden, New Jersey 14 $ 5,150,000 $ 367,857 $ 126,000
Mercer, New Jersey 14 $ 5,130,000 $ 366,428 $ 240,000
Sandoval, New Mexico 14 $ 3,020,000 $ 215,714 $ 87,000
Durham, North Carolina 14 $ 4,410,000 $ 315,000 $ 123,000
Horry, South Carolina 14 $ 3,500,000 $ 250,000 $ 254,000
Montgomery, Tennessee 14 $ 4,750,000 $ 339,285 $ 123,000
Gila, Arizona 13 $ 3,715,000 $ 285,769 $ 113,000
Boulder, Colorado 13 $ 7,055,000 $ 542,692 $ 262,000
New Castle, Delaware 13 $ 5,055,000 $ 388,846 $ 144,000
Grundy, Illinois 13 $ 2,845,000 $ 218,846 $ 96,000
Orleans, Louisiana 13 $ 3,885,000 $ 298,846 $ 155,000
Harford, Maryland 13 $ 4,645,000 $ 357,307 $ 140,000
Pine, Minnesota 13 $ 3,185,000 $ 245,000 $ 90,000
Franklin, Ohio 13 $ 3,535,000 $ 271,923 $ 104,000
Canadian, Oklahoma 13 $ 4,045,000 $ 311,153 $ 170,000
Chester, Pennsylvania 13 $ 6,095,000 $ 468,846 $ 164,000
Hays, Texas 13 $ 6,195,000 $ 476,538 $ 231,000
San Luis Obispo, California 12 $ 7,410,000 $ 617,500 $ 229,000
New London, Connecticut 12 $ 4,230,000 $ 352,500 $ 134,000
Kent, Delaware 12 $ 4,060,000 $ 338,333 $ 92,000
Sarasota, Florida 12 $ 5,140,000 $ 428,333 $ 216,000
St. Mary's, Maryland 12 $ 6,170,000 $ 514,166 $ 177,000
Stearns, Minnesota 12 $ 2,630,000 $ 219,166 $ 96,000
Hudson, New Jersey 12 $ 8,290,000 $ 690,833 $ 225,000
Forsyth, North Carolina 12 $ 3,470,000 $ 289,166 $ 111,000
Delaware, Pennsylvania 12 $ 3,960,000 $ 330,000 $ 205,000
Spartanburg, South Carolina 12 $ 3,640,000 $ 303,333 $ 104,000
Crook, Wyoming 12 $ 3,370,000 $ 280,833 $ 108,000
Graham, Arizona 11 $ 2,765,000 $ 251,363 $ 88,000
San Francisco, California 11 $ 9,385,000 $ 853,181 $ 298,000
Indian River, Florida 11 $ 3,425,000 $ 311,363 $ 109,000
Chatham, Georgia 11 $ 3,415,000 $ 310,454 $ 119,000
Fayette, Georgia 11 $ 4,705,000 $ 427,727 $ 171,000
Hendricks, Indiana 11 $ 3,635,000 $ 330,454 $ 120,000
Oakland, Michigan 11 $ 3,615,000 $ 328,636 $ 156,000
Wayne, Michigan 11 $ 2,135,000 $ 194,090 $ 121,000
Carver, Minnesota 11 $ 4,945,000 $ 449,545 $ 156,000
Douglas, Nebraska 11 $ 2,855,000 $ 259,545 $ 122,000
Middlesex, New Jersey 11 $ 4,115,000 $ 374,090 $ 143,000
Berkeley, South Carolina 11 $ 3,695,000 $ 335,909 $ 105,000
Williamson, Tennessee 11 $ 6,955,000 $ 632,272 $ 289,000
Virginia Beach, Virginia 11 $ 4,825,000 $ 438,636 $ 153,000
Hawaii, Hawaii 10 $ 3,580,000 $ 358,000 $ 144,000
Kootenai, Idaho 10 $ 4,040,000 $ 404,000 $ 154,000
St. Clair, Illinois 10 $ 2,260,000 $ 226,000 $ 118,000
Cabarrus, North Carolina 10 $ 4,400,000 $ 440,000 $ 151,000
Kaufman, Texas 10 $ 3,110,000 $ 311,000 $ 108,000
Fauquier, Virginia 10 $ 4,910,000 $ 491,000 $ 184,000
Yakima, Washington 10 $ 3,080,000 $ 308,000 $ 247,000
Polk, Wisconsin 10 $ 2,620,000 $ 262,000 $ 143,000
Monterey, California 9 $ 3,945,000 $ 438,333 $ 140,000
Sussex, Delaware 9 $ 3,315,000 $ 368,333 $ 185,000
Marion, Florida 9 $ 2,615,000 $ 290,555 $ 100,000
Polk, Iowa 9 $ 2,025,000 $ 225,000 $ 124,000
York, Maine 9 $ 3,015,000 $ 335,000 $ 164,000
McLeod, Minnesota 9 $ 2,555,000 $ 283,888 $ 135,000
Steele, Minnesota 9 $ 2,045,000 $ 227,222 $ 94,000
Rockingham, New Hampshire 9 $ 3,325,000 $ 369,444 $ 140,000
Lane, Oregon 9 $ 3,925,000 $ 436,111 $ 203,000
Yamhill, Oregon 9 $ 4,585,000 $ 509,444 $ 137,000
Rutherford, Tennessee 9 $ 3,385,000 $ 376,111 $ 131,000
Davis, Utah 9 $ 4,595,000 $ 510,555 $ 135,000
Elmore, Alabama 8 $ 2,320,000 $ 290,000 $ 88,000
Montgomery, Alabama 8 $ 1,170,000 $ 146,250 $ 72,000
Elbert, Colorado 8 $ 3,950,000 $ 493,750 $ 166,000
Middlesex, Connecticut 8 $ 1,950,000 $ 243,750 $ 117,000
Bartow, Georgia 8 $ 2,280,000 $ 285,000 $ 108,000
Wyandotte, Kansas 8 $ 1,710,000 $ 213,750 $ 102,000
Bullitt, Kentucky 8 $ 1,760,000 $ 220,000 $ 88,000
East Baton Rouge, Louisiana 8 $ 1,710,000 $ 213,750 $ 93,000
Clay, Minnesota 8 $ 1,810,000 $ 226,250 $ 99,000
Merrimack, New Hampshire 8 $ 2,790,000 $ 348,750 $ 115,000
Gloucester, New Jersey 8 $ 2,880,000 $ 360,000 $ 144,000
Henderson, North Carolina 8 $ 3,380,000 $ 422,500 $ 149,000
Johnston, North Carolina 8 $ 2,620,000 $ 327,500 $ 97,000
Armstrong, Pennsylvania 8 $ 1,200,000 $ 150,000 $ 71,000
Parker, Texas 8 $ 2,640,000 $ 330,000 $ 138,000
Chesterfield, Virginia 8 $ 2,250,000 $ 281,250 $ 111,000
Weston, Wyoming 8 $ 1,450,000 $ 181,250 $ 73,000
Coconino, Arizona 7 $ 4,075,000 $ 582,142 $ 264,000
Navajo, Arizona 7 $ 2,165,000 $ 309,285 $ 141,000
Santa Barbara, California 7 $ 4,165,000 $ 595,000 $ 143,000
Litchfield, Connecticut 7 $ 1,635,000 $ 233,571 $ 102,000
Clay, Florida 7 $ 2,135,000 $ 305,000 $ 110,000
Escambia, Florida 7 $ 2,215,000 $ 316,428 $ 121,000
Hernando, Florida 7 $ 2,305,000 $ 329,285 $ 123,000
Bryan, Georgia 7 $ 2,645,000 $ 377,857 $ 142,000
Carroll, Georgia 7 $ 2,785,000 $ 397,857 $ 164,000
LaSalle, Illinois 7 $ 1,055,000 $ 150,714 $ 80,000
Meeker, Minnesota 7 $ 1,805,000 $ 257,857 $ 114,000
Rice, Minnesota 7 $ 2,405,000 $ 343,571 $ 110,000
Valencia, New Mexico 7 $ 1,925,000 $ 275,000 $ 132,000
Cleveland, Oklahoma 7 $ 1,515,000 $ 216,428 $ 136,000
Linn, Oregon 7 $ 1,995,000 $ 285,000 $ 93,000
Bucks, Pennsylvania 7 $ 2,265,000 $ 323,571 $ 132,000
Anderson, South Carolina 7 $ 2,395,000 $ 342,142 $ 99,000
Lancaster, South Carolina 7 $ 3,285,000 $ 469,285 $ 178,000
Blount, Tennessee 7 $ 1,605,000 $ 229,285 $ 106,000
Guadalupe, Texas 7 $ 2,245,000 $ 320,714 $ 119,000
Iron, Utah 7 $ 1,675,000 $ 239,285 $ 144,000
Caroline, Virginia 7 $ 1,995,000 $ 285,000 $ 89,000
Chesapeake, Virginia 7 $ 2,075,000 $ 296,428 $ 106,000
Fairfax City, Virginia 7 $ 4,615,000 $ 659,285 $ 198,000
Portsmouth, Virginia 7 $ 2,095,000 $ 299,285 $ 111,000
Kenosha, Wisconsin 7 $ 1,705,000 $ 243,571 $ 101,000
Walworth, Wisconsin 7 $ 1,525,000 $ 217,857 $ 156,000
Jefferson, Alabama 6 $ 1,200,000 $ 200,000 $ 101,000
Madison, Alabama 6 $ 2,230,000 $ 371,666 $ 140,000
Marin, California 6 $ 7,070,000 $ 1,178,333 $ 533,000
Santa Cruz, California 6 $ 4,970,000 $ 828,333 $ 412,000
Sonoma, California 6 $ 2,980,000 $ 496,666 $ 228,000
Stanislaus, California 6 $ 2,630,000 $ 438,333 $ 240,000
Park, Colorado 6 $ 2,110,000 $ 351,666 $ 122,000
Martin, Florida 6 $ 2,420,000 $ 403,333 $ 148,000
Okaloosa, Florida 6 $ 2,250,000 $ 375,000 $ 141,000
Sumter, Florida 6 $ 1,520,000 $ 253,333 $ 145,000
Hall, Georgia 6 $ 2,080,000 $ 346,666 $ 216,000
Newton, Georgia 6 $ 1,720,000 $ 286,666 $ 108,000
Hamilton, Indiana 6 $ 2,760,000 $ 460,000 $ 178,000
Lake, Indiana 6 $ 1,550,000 $ 258,333 $ 121,000
Fayette, Kentucky 6 $ 1,520,000 $ 253,333 $ 175,000
St. Tammany, Louisiana 6 $ 1,430,000 $ 238,333 $ 83,000
Androscoggin, Maine 6 $ 1,600,000 $ 266,666 $ 119,000
Queen Anne's, Maryland 6 $ 4,060,000 $ 676,666 $ 268,000
Barnstable, Massachusetts 6 $ 2,200,000 $ 366,666 $ 238,000
Clay, Missouri 6 $ 2,180,000 $ 363,333 $ 166,000
Monmouth, New Jersey 6 $ 2,720,000 $ 453,333 $ 219,000
Passaic, New Jersey 6 $ 2,200,000 $ 366,666 $ 132,000
Union, New Jersey 6 $ 2,900,000 $ 483,333 $ 171,000
Orange, North Carolina 6 $ 1,900,000 $ 316,666 $ 128,000
Polk, Oregon 6 $ 2,350,000 $ 391,666 $ 115,000
Lehigh, Pennsylvania 6 $ 2,220,000 $ 370,000 $ 113,000
Dorchester, South Carolina 6 $ 1,340,000 $ 223,333 $ 130,000
Sumner, Tennessee 6 $ 2,700,000 $ 450,000 $ 158,000
Cameron, Texas 6 $ 1,090,000 $ 181,666 $ 106,000
Comal, Texas 6 $ 2,190,000 $ 365,000 $ 134,000
Grayson, Texas 6 $ 1,770,000 $ 295,000 $ 145,000
Tooele, Utah 6 $ 1,980,000 $ 330,000 $ 100,000
Westmoreland, Virginia 6 $ 2,360,000 $ 393,333 $ 134,000
Benton, Washington 6 $ 2,280,000 $ 380,000 $ 106,000
Kittitas, Washington 6 $ 3,230,000 $ 538,333 $ 195,000
Laramie, Wyoming 6 $ 2,140,000 $ 356,666 $ 120,000
Lee, Alabama 5 $ 1,225,000 $ 245,000 $ 162,000
Yolo, California 5 $ 3,095,000 $ 619,000 $ 245,000
Summit, Colorado 5 $ 3,295,000 $ 659,000 $ 284,000
Tolland, Connecticut 5 $ 1,065,000 $ 213,000 $ 101,000
Windham, Connecticut 5 $ 805,000 $ 161,000 $ 52,000
St. Johns, Florida 5 $ 1,905,000 $ 381,000 $ 129,000
Rockdale, Georgia 5 $ 2,005,000 $ 401,000 $ 131,000
Walton, Georgia 5 $ 1,295,000 $ 259,000 $ 129,000
Miami, Kansas 5 $ 1,285,000 $ 257,000 $ 102,000
Worcester, Maryland 5 $ 1,315,000 $ 263,000 $ 176,000
Washtenaw, Michigan 5 $ 1,445,000 $ 289,000 $ 92,000
Dodge, Minnesota 5 $ 1,315,000 $ 263,000 $ 116,000
Jefferson, Missouri 5 $ 1,465,000 $ 293,000 $ 97,000
Platte, Missouri 5 $ 1,865,000 $ 373,000 $ 150,000
St. Charles, Missouri 5 $ 1,595,000 $ 319,000 $ 94,000
Sarpy, Nebraska 5 $ 1,235,000 $ 247,000 $ 112,000
Lyon, Nevada 5 $ 1,385,000 $ 277,000 $ 81,000
Morris, New Jersey 5 $ 2,645,000 $ 529,000 $ 225,000
Somerset, New Jersey 5 $ 2,925,000 $ 585,000 $ 222,000
Iredell, North Carolina 5 $ 1,785,000 $ 357,000 $ 106,000
Trumbull, Ohio 5 $ 765,000 $ 153,000 $ 71,000
Tulsa, Oklahoma 5 $ 1,405,000 $ 281,000 $ 161,000
Coos, Oregon 5 $ 1,455,000 $ 291,000 $ 127,000
Deschutes, Oregon 5 $ 2,835,000 $ 567,000 $ 185,000
Rockwall, Texas 5 $ 1,735,000 $ 347,000 $ 198,000
Chelan, Washington 5 $ 2,105,000 $ 421,000 $ 151,000
Clallam, Washington 5 $ 1,665,000 $ 333,000 $ 219,000
Barron, Wisconsin 5 $ 1,865,000 $ 373,000 $ 176,000
Dunn, Wisconsin 5 $ 1,095,000 $ 219,000 $ 82,000
Tallapoosa, Alabama 4 $ 780,000 $ 195,000 $ 96,000
Cochise, Arizona 4 $ 960,000 $ 240,000 $ 123,000
Ventura, California 4 $ 1,490,000 $ 372,500 $ 130,000
Broomfield, Colorado 4 $ 2,010,000 $ 502,500 $ 274,000
Chaffee, Colorado 4 $ 1,670,000 $ 417,500 $ 106,000
Teller, Colorado 4 $ 2,060,000 $ 515,000 $ 195,000
Bay, Florida 4 $ 1,160,000 $ 290,000 $ 104,000
Citrus, Florida 4 $ 740,000 $ 185,000 $ 69,000
Manatee, Florida 4 $ 970,000 $ 242,500 $ 96,000
Monroe, Florida 4 $ 1,750,000 $ 437,500 $ 141,000
Santa Rosa, Florida 4 $ 960,000 $ 240,000 $ 110,000
Barrow, Georgia 4 $ 1,180,000 $ 295,000 $ 80,000
Camden, Georgia 4 $ 1,210,000 $ 302,500 $ 81,000
Effingham, Georgia 4 $ 920,000 $ 230,000 $ 62,000
Shoshone, Idaho 4 $ 1,220,000 $ 305,000 $ 90,000
DeKalb, Illinois 4 $ 900,000 $ 225,000 $ 86,000
Kankakee, Illinois 4 $ 680,000 $ 170,000 $ 81,000
Winnebago, Illinois 4 $ 540,000 $ 135,000 $ 80,000
Leavenworth, Kansas 4 $ 1,270,000 $ 317,500 $ 96,000
Jefferson, Louisiana 4 $ 960,000 $ 240,000 $ 148,000
Lafayette, Louisiana 4 $ 880,000 $ 220,000 $ 80,000
Kennebec, Maine 4 $ 790,000 $ 197,500 $ 77,000
Wicomico, Maryland 4 $ 780,000 $ 195,000 $ 92,000
Hampden, Massachusetts 4 $ 1,080,000 $ 270,000 $ 79,000
Berrien, Michigan 4 $ 770,000 $ 192,500 $ 105,000
Kent, Michigan 4 $ 1,140,000 $ 285,000 $ 161,000
Livingston, Michigan 4 $ 1,760,000 $ 440,000 $ 227,000
Benton, Minnesota 4 $ 1,220,000 $ 305,000 $ 103,000
Crow Wing, Minnesota 4 $ 730,000 $ 182,500 $ 64,000
Lincoln, Montana 4 $ 1,830,000 $ 457,500 $ 191,000
Lancaster, Nebraska 4 $ 980,000 $ 245,000 $ 138,000
Carson City, Nevada 4 $ 1,870,000 $ 467,500 $ 174,000
Strafford, New Hampshire 4 $ 1,350,000 $ 337,500 $ 104,000
Atlantic, New Jersey 4 $ 1,160,000 $ 290,000 $ 92,000
Bergen, New Jersey 4 $ 2,450,000 $ 612,500 $ 177,000
Essex, New Jersey 4 $ 1,380,000 $ 345,000 $ 112,000
Alamance, North Carolina 4 $ 1,110,000 $ 277,500 $ 123,000
Chatham, North Carolina 4 $ 2,030,000 $ 507,500 $ 274,000
Franklin, North Carolina 4 $ 1,030,000 $ 257,500 $ 147,000
Columbia, Oregon 4 $ 1,820,000 $ 455,000 $ 144,000
Klamath, Oregon 4 $ 1,740,000 $ 435,000 $ 166,000
Butler, Pennsylvania 4 $ 1,020,000 $ 255,000 $ 130,000
Kent, Rhode Island 4 $ 1,240,000 $ 310,000 $ 124,000
Kershaw, South Carolina 4 $ 870,000 $ 217,500 $ 117,000
Pickens, South Carolina 4 $ 1,030,000 $ 257,500 $ 77,000
Anderson, Tennessee 4 $ 970,000 $ 242,500 $ 103,000
Loudon, Tennessee 4 $ 740,000 $ 185,000 $ 53,000
Sequatchie, Tennessee 4 $ 530,000 $ 132,500 $ 85,000
Shelby, Tennessee 4 $ 1,290,000 $ 322,500 $ 145,000
Bastrop, Texas 4 $ 1,400,000 $ 350,000 $ 149,000
El Paso, Texas 4 $ 1,020,000 $ 255,000 $ 92,000
Hunt, Texas 4 $ 1,010,000 $ 252,500 $ 174,000
Llano, Texas 4 $ 2,470,000 $ 617,500 $ 449,000
Midland, Texas 4 $ 820,000 $ 205,000 $ 128,000
Wilson, Texas 4 $ 1,900,000 $ 475,000 $ 289,000
Weber, Utah 4 $ 1,760,000 $ 440,000 $ 161,000
King George, Virginia 4 $ 1,220,000 $ 305,000 $ 115,000
Manassas, Virginia 4 $ 2,130,000 $ 532,500 $ 190,000
Norfolk, Virginia 4 $ 1,250,000 $ 312,500 $ 106,000
Berkeley, West Virginia 4 $ 1,110,000 $ 277,500 $ 122,000
Outagamie, Wisconsin 4 $ 1,050,000 $ 262,500 $ 128,000
Waukesha, Wisconsin 4 $ 1,790,000 $ 447,500 $ 151,000
Winnebago, Wisconsin 4 $ 930,000 $ 232,500 $ 107,000
Sheridan, Wyoming 4 $ 1,640,000 $ 410,000 $ 135,000
Autauga, Alabama 3 $ 755,000 $ 251,666 $ 110,000
Greenlee, Arizona 3 $ 595,000 $ 198,333 $ 84,000
Mohave, Arizona 3 $ 795,000 $ 265,000 $ 118,000
Washington, Arkansas 3 $ 725,000 $ 241,666 $ 466,000
Madera, California 3 $ 1,185,000 $ 395,000 $ 119,000
Nevada, California 3 $ 975,000 $ 325,000 $ 193,000
Clear Creek, Colorado 3 $ 1,515,000 $ 505,000 $ 246,000
Montrose, Colorado 3 $ 1,315,000 $ 438,333 $ 156,000
Walton, Florida 3 $ 1,555,000 $ 518,333 $ 304,000
Coweta, Georgia 3 $ 1,355,000 $ 451,666 $ 217,000
Dawson, Georgia 3 $ 1,075,000 $ 358,333 $ 108,000
McIntosh, Georgia 3 $ 1,105,000 $ 368,333 $ 136,000
Payette, Idaho 3 $ 1,275,000 $ 425,000 $ 91,000
Madison, Illinois 3 $ 645,000 $ 215,000 $ 93,000
Clark, Indiana 3 $ 525,000 $ 175,000 $ 199,000
Porter, Indiana 3 $ 915,000 $ 305,000 $ 114,000
Kenton, Kentucky 3 $ 515,000 $ 171,666 $ 78,000
Van Buren, Michigan 3 $ 625,000 $ 208,333 $ 129,000
Aitkin, Minnesota 3 $ 1,435,000 $ 478,333 $ 280,000
Carlton, Minnesota 3 $ 565,000 $ 188,333 $ 67,000
Goodhue, Minnesota 3 $ 525,000 $ 175,000 $ 64,000
Lake, Minnesota 3 $ 465,000 $ 155,000 $ 103,000
Otter Tail, Minnesota 3 $ 645,000 $ 215,000 $ 84,000
Cass, Missouri 3 $ 895,000 $ 298,333 $ 169,000
St. Louis City, Missouri 3 $ 865,000 $ 288,333 $ 98,000
Carroll, New Hampshire 3 $ 725,000 $ 241,666 $ 129,000
Cape May, New Jersey 3 $ 1,185,000 $ 395,000 $ 171,000
Hunterdon, New Jersey 3 $ 1,075,000 $ 358,333 $ 121,000
Ocean, New Jersey 3 $ 1,615,000 $ 538,333 $ 211,000
Dona Ana, New Mexico 3 $ 695,000 $ 231,666 $ 83,000
Burke, North Carolina 3 $ 455,000 $ 151,666 $ 80,000
Catawba, North Carolina 3 $ 1,065,000 $ 355,000 $ 167,000
Davidson, North Carolina 3 $ 815,000 $ 271,666 $ 111,000
Gaston, North Carolina 3 $ 835,000 $ 278,333 $ 147,000
Haywood, North Carolina 3 $ 945,000 $ 315,000 $ 105,000
Rowan, North Carolina 3 $ 1,015,000 $ 338,333 $ 125,000
Williams, North Dakota 3 $ 1,055,000 $ 351,666 $ 161,000
Clermont, Ohio 3 $ 725,000 $ 241,666 $ 90,000
Mahoning, Ohio 3 $ 515,000 $ 171,666 $ 64,000
Northampton, Pennsylvania 3 $ 1,005,000 $ 335,000 $ 74,000
York, Pennsylvania 3 $ 885,000 $ 295,000 $ 134,000
Maury, Tennessee 3 $ 1,225,000 $ 408,333 $ 202,000
Bell, Texas 3 $ 935,000 $ 311,666 $ 155,000
Brazos, Texas 3 $ 625,000 $ 208,333 $ 151,000
Ellis, Texas 3 $ 1,075,000 $ 358,333 $ 124,000
Gregg, Texas 3 $ 475,000 $ 158,333 $ 151,000
Johnson, Texas 3 $ 765,000 $ 255,000 $ 107,000
Carbon, Utah 3 $ 285,000 $ 95,000 $ 107,000
Uintah, Utah 3 $ 955,000 $ 318,333 $ 94,000
Culpeper, Virginia 3 $ 1,325,000 $ 441,666 $ 111,000
Frederick, Virginia 3 $ 1,215,000 $ 405,000 $ 163,000
Hampton, Virginia 3 $ 1,065,000 $ 355,000 $ 60,000
Louisa, Virginia 3 $ 955,000 $ 318,333 $ 136,000
Newport News, Virginia 3 $ 1,375,000 $ 458,333 $ 153,000
Richmond City, Virginia 3 $ 805,000 $ 268,333 $ 181,000
Suffolk, Virginia 3 $ 925,000 $ 308,333 $ 104,000
Grant, Washington 3 $ 1,405,000 $ 468,333 $ 289,000
Racine, Wisconsin 3 $ 1,295,000 $ 431,666 $ 163,000
Shelby, Alabama 2 $ 700,000 $ 350,000 $ 130,000
Boone, Arkansas 2 $ 250,000 $ 125,000 $ 38,000
Butte, California 2 $ 570,000 $ 285,000 $ 84,000
Merced, California 2 $ 640,000 $ 320,000 $ 145,000
Napa, California 2 $ 1,110,000 $ 555,000 $ 251,000
Fremont, Colorado 2 $ 710,000 $ 355,000 $ 92,000
Grand, Colorado 2 $ 960,000 $ 480,000 $ 297,000
Moffat, Colorado 2 $ 740,000 $ 370,000 $ 164,000
Alachua, Florida 2 $ 450,000 $ 225,000 $ 74,000
DeSoto, Florida 2 $ 450,000 $ 225,000 $ 59,000
Hendry, Florida 2 $ 670,000 $ 335,000 $ 80,000
Leon, Florida 2 $ 600,000 $ 300,000 $ 97,000
Okeechobee, Florida 2 $ 490,000 $ 245,000 $ 90,000
Putnam, Florida 2 $ 440,000 $ 220,000 $ 64,000
Gordon, Georgia 2 $ 410,000 $ 205,000 $ 96,000
Bonner, Idaho 2 $ 970,000 $ 485,000 $ 126,000
Latah, Idaho 2 $ 640,000 $ 320,000 $ 103,000
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Mortgage Loan Application Detail Totals for Bay Equity LLC in 2023

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 13,612 $5,479,440,000 $402,000 $4,255,000 $155,000 $7,183,000
Cash-out Refinancing 504 $165,070,000 $327,000 $2,315,000 $147,000 $4,218,000
Refinancing 186 $76,570,000 $411,000 $2,605,000 $175,000 $1,028,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 7,309 $2,824,435,000 $386,000 $3,205,000 $156,000 $7,183,000
Hispanic 2,013 $737,745,000 $366,000 $2,105,000 $126,000 $1,672,000
Not Provided 1,979 $854,585,000 $431,000 $4,255,000 $173,000 $2,328,000
Asian 1,668 $815,600,000 $488,000 $2,405,000 $182,000 $1,495,000
Black or African American 1,164 $423,950,000 $364,000 $1,535,000 $131,000 $768,000
American Indian or Alaskan Native 118 $42,530,000 $360,000 $1,015,000 $129,000 $763,000
Native Hawaiian or Other Pacific Islander 46 $18,630,000 $405,000 $835,000 $142,000 $343,000
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) 10,498 $4,282,010,000 $407,000 $4,255,000 $169,000 $7,183,000
FHA-insured (Federal Housing Administration) 2,713 $949,915,000 $350,000 $1,255,000 $108,000 $987,000
VA-guaranteed (Veterans Administration) 1,010 $469,140,000 $464,000 $3,205,000 $140,000 $882,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $20,015,000 $247,000 $435,000 $85,000 $131,000

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 9,182 $3,521,690,000 $383,000 $2,605,000 $152,000 $4,749,000
Application Withdrawn By Applicant 3,146 $1,288,800,000 $409,000 $2,485,000 $164,000 $7,183,000
Preapproval Approved but not Accepted 646 $363,920,000 $563,000 $2,505,000 $175,000 $812,000
Application Denied By Financial Institution 604 $227,060,000 $375,000 $2,005,000 $127,000 $4,218,000
File Closed For Incompleteness 450 $195,890,000 $435,000 $4,255,000 $166,000 $2,328,000
Preapproval Denied by Financial Institution 193 $89,965,000 $466,000 $3,205,000 $128,000 $743,000
Application Approved But Not Accepted 81 $33,755,000 $416,000 $2,465,000 $172,000 $969,000
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
Not applicable 13,505 $5,404,055,000 $400,000 $4,255,000 $157,000 $7,183,000
Employment History 248 $111,460,000 $449,000 $2,805,000 $135,000 $743,000
Debt-To-Income Ratio 238 $104,990,000 $441,000 $3,205,000 $106,000 $829,000
Collateral 168 $48,700,000 $289,000 $1,085,000 $146,000 $4,218,000
Credit History 116 $41,980,000 $361,000 $1,505,000 $127,000 $606,000
Insufficient Cash (Downpayment, Closing Cost) 22 $8,270,000 $375,000 $735,000 $120,000 $220,000
Unverifiable Information 3 $785,000 $261,000 $675,000 $183,000 $252,000
Credit Application Incomplete 2 $840,000 $420,000 $665,000 $141,000 $197,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay Equity LLC's 2023 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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