Bay Equity LLC Mortgage Lending & HMDA Data, 2025
In 2025, Bay Equity LLC of Detroit, MI reported 7,111 mortgage applications totaling $3.1 billion, down 52% from 2024. The average application was for $435,142, and applicants reported an average income of $174,721. 62% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (545), Arlington-Alexandria-Reston, VA-WV (222) and Portland-Vancouver-Hillsboro, OR-WA (222) (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 | 7,111 |
| Total Mortgage Loan Application Amount | $3,094,295,000 |
| Average Mortgage Loan Application Amount | $435,142 |
| Highest Mortgage Loan Application Amount | $2,995,000 |
| Average Applicant Income | $174,721 |
| Highest Applicant Income | $4,856,000 |
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Act (HMDA) records Bay Equity LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 927 | $ 467,065,000 | $ 503,845 | $ 172,340 |
| Chicago-Naperville, IL | 545 | $ 177,335,000 | $ 325,385 | $ 153,000 |
| Arlington-Alexandria-Reston, VA-WV | 222 | $ 120,800,000 | $ 544,144 | $ 201,630 |
| Portland-Vancouver-Hillsboro, OR-WA | 222 | $ 102,090,000 | $ 459,864 | $ 196,540 |
| Phoenix-Mesa-Scottsdale, AZ | 204 | $ 79,580,000 | $ 390,098 | $ 153,000 |
| Baltimore-Columbia-Towson, MD | 194 | $ 85,680,000 | $ 441,649 | $ 172,000 |
| Tacoma-Lakewood, WA | 188 | $ 91,360,000 | $ 485,957 | $ 167,000 |
| Washington-Baltimore-Arlington, DC | 186 | $ 88,250,000 | $ 474,462 | $ 203,000 |
| Seattle-Bellevue-Everett, WA | 179 | $ 115,545,000 | $ 645,502 | $ 215,000 |
| San Diego-Carlsbad, CA | 162 | $ 112,840,000 | $ 696,543 | $ 245,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 157 | $ 48,285,000 | $ 307,547 | $ 134,471 |
| Louisville/Jefferson County, KY-IN | 145 | $ 31,525,000 | $ 217,413 | $ 106,082 |
| Denver-Aurora-Lakewood, CO | 144 | $ 68,090,000 | $ 472,847 | $ 178,000 |
| Washington, DC-MD | 133 | $ 62,205,000 | $ 467,706 | $ 175,097 |
| Houston-The Woodlands-Sugar Land, TX | 114 | $ 38,470,000 | $ 337,456 | $ 239,000 |
| Dallas-Plano-Irving, TX | 110 | $ 45,960,000 | $ 417,818 | $ 210,000 |
| Austin-Round Rock, TX | 107 | $ 45,395,000 | $ 424,252 | $ 206,000 |
| Atlanta-Sandy Springs-Roswell, GA | 100 | $ 37,640,000 | $ 376,400 | $ 146,000 |
| Riverside-San Bernardino-Ontario, CA | 99 | $ 44,875,000 | $ 453,282 | $ 181,000 |
| Las Vegas-Henderson-Paradise, NV | 93 | $ 35,175,000 | $ 378,225 | $ 158,000 |
| Colorado Springs, CO | 90 | $ 35,000,000 | $ 388,888 | $ 156,000 |
| Oakland-Hayward-Berkeley, CA | 86 | $ 61,200,000 | $ 711,627 | $ 251,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 77 | $ 41,995,000 | $ 545,389 | $ 233,000 |
| Everett, WA | 75 | $ 44,405,000 | $ 592,066 | $ 174,000 |
| Los Angeles-Long Beach-Glendale, CA | 74 | $ 47,910,000 | $ 647,432 | $ 222,000 |
| Lake County-Kenosha County, IL-WI | 68 | $ 21,160,000 | $ 311,176 | $ 154,000 |
| Charlotte-Concord-Gastonia, NC-SC | 67 | $ 25,255,000 | $ 376,940 | $ 167,656 |
| San Antonio-New Braunfels, TX | 66 | $ 19,200,000 | $ 290,909 | $ 274,000 |
| Cambridge-Newton-Framingham, MA | 62 | $ 34,930,000 | $ 563,387 | $ 217,000 |
| Anaheim-Santa Ana-Irvine, CA | 56 | $ 44,520,000 | $ 795,000 | $ 285,000 |
| Indianapolis-Carmel-Anderson, IN | 56 | $ 16,470,000 | $ 294,107 | $ 147,000 |
| Orlando-Kissimmee-Sanford, FL | 55 | $ 20,685,000 | $ 376,090 | $ 152,000 |
| Olympia-Tumwater, WA | 54 | $ 23,870,000 | $ 442,037 | $ 149,000 |
| Worcester, MA-CT | 51 | $ 20,495,000 | $ 401,862 | $ 176,000 |
| Pittsburgh, PA | 50 | $ 13,160,000 | $ 263,200 | $ 119,000 |
| Elgin, IL | 48 | $ 15,040,000 | $ 313,333 | $ 141,000 |
| Raleigh, NC | 45 | $ 16,055,000 | $ 356,777 | $ 162,000 |
| Boston, MA | 44 | $ 21,700,000 | $ 493,181 | $ 188,000 |
| Montgomery County-Bucks County-Chester County, PA | 44 | $ 18,920,000 | $ 430,000 | $ 160,000 |
| Asheville, NC | 42 | $ 19,860,000 | $ 472,857 | $ 176,000 |
| Fort Worth-Arlington, TX | 42 | $ 15,630,000 | $ 372,142 | $ 167,000 |
| Marietta, GA | 41 | $ 15,275,000 | $ 372,560 | $ 144,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 40 | $ 13,430,000 | $ 335,750 | $ 122,000 |
| Boise City, ID | 38 | $ 13,720,000 | $ 361,052 | $ 135,000 |
| Bowling Green, KY | 38 | $ 7,360,000 | $ 193,684 | $ 82,000 |
| Philadelphia, PA | 36 | $ 13,260,000 | $ 368,333 | $ 221,000 |
| Camden, NJ | 34 | $ 11,200,000 | $ 329,411 | $ 129,000 |
| Tampa, FL | 34 | $ 10,870,000 | $ 319,705 | $ 138,000 |
| Lakewood-New Brunswick, NJ | 33 | $ 15,925,000 | $ 482,575 | $ 191,000 |
| Port St. Lucie, FL | 30 | $ 12,190,000 | $ 406,333 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 29 | $ 7,925,000 | $ 273,275 | $ 127,000 |
| Bremerton-Silverdale, WA | 27 | $ 12,875,000 | $ 476,851 | $ 161,000 |
| Salt Lake City, UT | 26 | $ 11,180,000 | $ 430,000 | $ 215,000 |
| New York-Jersey City-White Plains, NY-NJ | 25 | $ 15,125,000 | $ 605,000 | $ 273,000 |
| Kansas City, MO-KS | 24 | $ 5,780,000 | $ 240,833 | $ 141,250 |
| Oklahoma City, OK | 24 | $ 5,940,000 | $ 247,500 | $ 131,000 |
| Palm Bay-Melbourne-Titusville, FL | 24 | $ 8,370,000 | $ 348,750 | $ 149,000 |
| Salem, OR | 23 | $ 7,795,000 | $ 338,913 | $ 113,000 |
| San Francisco-Redwood City-South San Francisco, CA | 22 | $ 18,250,000 | $ 829,545 | $ 321,000 |
| Tucson, AZ | 22 | $ 6,440,000 | $ 292,727 | $ 211,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 22 | $ 8,000,000 | $ 363,636 | $ 146,000 |
| Winston-Salem, NC | 22 | $ 6,670,000 | $ 303,181 | $ 117,000 |
| Greensboro-High Point, NC | 21 | $ 5,135,000 | $ 244,523 | $ 98,000 |
| Lewiston, ID-WA | 21 | $ 5,995,000 | $ 285,476 | $ 107,952 |
| Columbus, OH | 20 | $ 7,970,000 | $ 398,500 | $ 150,000 |
| Providence-Warwick, RI-MA | 20 | $ 7,470,000 | $ 373,500 | $ 149,500 |
| San Jose-Sunnyvale-Santa Clara, CA | 20 | $ 21,540,000 | $ 1,077,000 | $ 373,000 |
| Cincinnati, OH-KY-IN | 19 | $ 4,245,000 | $ 223,421 | $ 104,947 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 9,425,000 | $ 496,052 | $ 204,000 |
| Greenville-Anderson-Mauldin, SC | 19 | $ 5,445,000 | $ 286,578 | $ 128,000 |
| Spokane-Spokane Valley, WA | 19 | $ 6,555,000 | $ 345,000 | $ 107,000 |
| Hagerstown-Martinsburg, MD-WV | 18 | $ 5,960,000 | $ 331,111 | $ 161,000 |
| Lexington Park, MD | 18 | $ 8,410,000 | $ 467,222 | $ 161,000 |
| Cleveland, OH | 17 | $ 4,135,000 | $ 243,235 | $ 137,000 |
| Newark, NJ-PA | 17 | $ 8,945,000 | $ 526,176 | $ 174,000 |
| Jacksonville, FL | 16 | $ 6,800,000 | $ 425,000 | $ 184,000 |
| Lake County-Porter County-Jasper County, IN | 16 | $ 3,630,000 | $ 226,875 | $ 105,000 |
| Provo-Orem, UT | 16 | $ 6,500,000 | $ 406,250 | $ 144,000 |
| Durham-Chapel Hill, NC | 15 | $ 4,545,000 | $ 303,000 | $ 170,000 |
| Fresno, CA | 14 | $ 6,060,000 | $ 432,857 | $ 166,000 |
| Spartanburg, SC | 14 | $ 2,550,000 | $ 182,142 | $ 94,000 |
| Bellingham, WA | 13 | $ 6,395,000 | $ 491,923 | $ 154,000 |
| Eugene, OR | 13 | $ 6,145,000 | $ 472,692 | $ 164,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 3,185,000 | $ 245,000 | $ 130,000 |
| Longview, WA | 13 | $ 4,375,000 | $ 336,538 | $ 121,000 |
| St. Louis, MO-IL | 13 | $ 4,275,000 | $ 328,846 | $ 133,000 |
| Stockton-Lodi, CA | 13 | $ 7,065,000 | $ 543,461 | $ 159,000 |
| Lexington-Fayette, KY | 12 | $ 2,560,000 | $ 213,333 | $ 106,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 2,290,000 | $ 190,833 | $ 100,000 |
| Richmond, VA | 12 | $ 3,910,000 | $ 325,833 | $ 146,000 |
| St. Petersburg-Clearwater-Largo, FL | 12 | $ 4,590,000 | $ 382,500 | $ 197,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 6,090,000 | $ 507,500 | $ 208,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 11 | $ 4,135,000 | $ 375,909 | $ 139,090 |
| Charleston-North Charleston, SC | 11 | $ 4,275,000 | $ 388,636 | $ 137,000 |
| Greeley, CO | 11 | $ 4,635,000 | $ 421,363 | $ 167,000 |
| Manchester-Nashua, NH | 11 | $ 4,735,000 | $ 430,454 | $ 173,000 |
| Mount Vernon-Anacortes, WA | 11 | $ 5,175,000 | $ 470,454 | $ 170,000 |
| Rockingham County-Strafford County, NH | 11 | $ 4,425,000 | $ 402,272 | $ 128,000 |
| Wilmington, DE-MD-NJ | 11 | $ 3,915,000 | $ 355,909 | $ 157,454 |
| Boulder, CO | 10 | $ 4,420,000 | $ 442,000 | $ 219,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 5,200,000 | $ 520,000 | $ 245,000 |
| Grand Junction, CO | 10 | $ 3,250,000 | $ 325,000 | $ 127,000 |
| Knoxville, TN | 10 | $ 3,210,000 | $ 321,000 | $ 116,000 |
| Lakeland-Winter Haven, FL | 10 | $ 2,830,000 | $ 283,000 | $ 108,000 |
| Trenton, NJ | 10 | $ 6,560,000 | $ 656,000 | $ 231,000 |
| Albany, OR | 9 | $ 3,925,000 | $ 436,111 | $ 154,000 |
| Columbia, SC | 9 | $ 2,905,000 | $ 322,777 | $ 256,000 |
| Killeen-Temple, TX | 9 | $ 3,335,000 | $ 370,555 | $ 137,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 4,385,000 | $ 487,222 | $ 200,000 |
| Clarksville, TN-KY | 8 | $ 2,270,000 | $ 283,750 | $ 108,000 |
| Kennewick-Richland, WA | 8 | $ 2,430,000 | $ 303,750 | $ 106,000 |
| Rochester, MN | 8 | $ 2,090,000 | $ 261,250 | $ 134,000 |
| Urban Honolulu, HI | 8 | $ 7,970,000 | $ 996,250 | $ 443,000 |
| Akron, OH | 7 | $ 2,005,000 | $ 286,428 | $ 153,000 |
| Bend-Redmond, OR | 7 | $ 3,645,000 | $ 520,714 | $ 198,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 1,425,000 | $ 203,571 | $ 153,000 |
| Fort Collins, CO | 7 | $ 3,215,000 | $ 459,285 | $ 165,000 |
| Gainesville, GA | 7 | $ 2,845,000 | $ 406,428 | $ 116,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 2,245,000 | $ 320,714 | $ 115,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 2,295,000 | $ 327,857 | $ 211,000 |
| Chattanooga, TN-GA | 6 | $ 3,010,000 | $ 501,666 | $ 408,000 |
| Kenosha, WI | 6 | $ 2,420,000 | $ 403,333 | $ 200,000 |
| Portland-South Portland, ME | 6 | $ 2,480,000 | $ 413,333 | $ 178,000 |
| Punta Gorda, FL | 6 | $ 1,670,000 | $ 278,333 | $ 138,000 |
| Reno, NV | 6 | $ 1,890,000 | $ 315,000 | $ 121,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 5,610,000 | $ 935,000 | $ 326,000 |
| St. Cloud, MN | 6 | $ 1,250,000 | $ 208,333 | $ 93,000 |
| St. George, UT | 6 | $ 2,780,000 | $ 463,333 | $ 160,000 |
| Ann Arbor, MI | 5 | $ 1,445,000 | $ 289,000 | $ 131,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 1,645,000 | $ 329,000 | $ 130,000 |
| Birmingham-Hoover, AL | 5 | $ 1,855,000 | $ 371,000 | $ 133,000 |
| Lansing-East Lansing, MI | 5 | $ 915,000 | $ 183,000 | $ 87,000 |
| Medford, OR | 5 | $ 1,665,000 | $ 333,000 | $ 150,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 2,145,000 | $ 429,000 | $ 161,000 |
| Ogden-Clearfield, UT | 5 | $ 2,595,000 | $ 519,000 | $ 196,000 |
| Santa Rosa, CA | 5 | $ 2,545,000 | $ 509,000 | $ 195,000 |
| Savannah, GA | 5 | $ 1,795,000 | $ 359,000 | $ 224,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,425,000 | $ 285,000 | $ 107,000 |
| Winchester, VA-WV | 5 | $ 1,925,000 | $ 385,000 | $ 105,000 |
| Baton Rouge, LA | 4 | $ 820,000 | $ 205,000 | $ 133,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,030,000 | $ 507,500 | $ 253,000 |
| Burlington, NC | 4 | $ 1,050,000 | $ 262,500 | $ 73,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 1,050,000 | $ 262,500 | $ 122,000 |
| Fargo, ND-MN | 4 | $ 1,520,000 | $ 380,000 | $ 126,250 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,370,000 | $ 342,500 | $ 109,000 |
| Ocala, FL | 4 | $ 1,040,000 | $ 260,000 | $ 87,000 |
| Pueblo, CO | 4 | $ 2,090,000 | $ 522,500 | $ 156,000 |
| Reading, PA | 4 | $ 1,220,000 | $ 305,000 | $ 112,000 |
| Tulsa, OK | 4 | $ 1,690,000 | $ 422,500 | $ 193,000 |
| York-Hanover, PA | 4 | $ 1,100,000 | $ 275,000 | $ 102,000 |
| Amherst Town-Northampton, MA | 3 | $ 965,000 | $ 321,666 | $ 112,000 |
| Bakersfield, CA | 3 | $ 1,435,000 | $ 478,333 | $ 143,000 |
| Barnstable Town, MA | 3 | $ 1,065,000 | $ 355,000 | $ 273,000 |
| Coeur D'Alene, ID | 3 | $ 1,475,000 | $ 491,666 | $ 175,000 |
| College Station-Bryan, TX | 3 | $ 1,355,000 | $ 451,666 | $ 151,000 |
| Corvallis, OR | 3 | $ 1,285,000 | $ 428,333 | $ 107,000 |
| Fayetteville, NC | 3 | $ 825,000 | $ 275,000 | $ 107,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,095,000 | $ 365,000 | $ 115,000 |
| Homosassa Springs, FL | 3 | $ 755,000 | $ 251,666 | $ 87,000 |
| Jacksonville, NC | 3 | $ 1,025,000 | $ 341,666 | $ 138,000 |
| Modesto, CA | 3 | $ 925,000 | $ 308,333 | $ 126,000 |
| Niles-Benton Harbor, MI | 3 | $ 1,135,000 | $ 378,333 | $ 160,000 |
| Panama City, FL | 3 | $ 1,415,000 | $ 471,666 | $ 166,000 |
| Rockford, IL | 3 | $ 1,235,000 | $ 411,666 | $ 183,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,645,000 | $ 548,333 | $ 283,000 |
| Vineland-Bridgeton, NJ | 3 | $ 895,000 | $ 298,333 | $ 129,000 |
| Waco, TX | 3 | $ 895,000 | $ 298,333 | $ 100,000 |
| Wildwood-The Villages, FL | 3 | $ 1,075,000 | $ 358,333 | $ 109,000 |
| Beaumont-Port Arthur, TX | 2 | $ 310,000 | $ 155,000 | $ 293,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,880,000 | $ 940,000 | $ 874,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 400,000 | $ 200,000 | $ 98,000 |
| Dover, DE | 2 | $ 820,000 | $ 410,000 | $ 120,000 |
| Gettysburg, PA | 2 | $ 490,000 | $ 245,000 | $ 109,000 |
| Grants Pass, OR | 2 | $ 810,000 | $ 405,000 | $ 146,000 |
| Helena, MT | 2 | $ 560,000 | $ 280,000 | $ 134,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 640,000 | $ 320,000 | $ 113,000 |
| Huntsville, AL | 2 | $ 450,000 | $ 225,000 | $ 54,000 |
| Madison, WI | 2 | $ 400,000 | $ 200,000 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 410,000 | $ 205,000 | $ 147,000 |
| Racine, WI | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| San Angelo, TX | 2 | $ 660,000 | $ 330,000 | $ 130,000 |
| San Rafael, CA | 2 | $ 1,970,000 | $ 985,000 | $ 294,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 950,000 | $ 475,000 | $ 381,000 |
| Sebastian-Vero Beach, FL | 2 | $ 690,000 | $ 345,000 | $ 156,000 |
| Slidell-Mandeville-Covington, LA | 2 | $ 880,000 | $ 440,000 | $ 185,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 550,000 | $ 275,000 | $ 203,000 |
| Twin Falls, ID | 2 | $ 540,000 | $ 270,000 | $ 75,000 |
| Tyler, TX | 2 | $ 710,000 | $ 355,000 | $ 179,000 |
| Warner Robins, GA | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Wilmington, NC | 2 | $ 770,000 | $ 385,000 | $ 162,000 |
| Albuquerque, NM | 1 | $ 355,000 | $ 355,000 | $ 231,000 |
| Appleton, WI | 1 | $ 505,000 | $ 505,000 | $ 238,000 |
| Athens-Clarke County, GA | 1 | $ 425,000 | $ 425,000 | $ 110,000 |
| Billings, MT | 1 | $ 475,000 | $ 475,000 | $ 276,000 |
| Bloomington, IL | 1 | $ 705,000 | $ 705,000 | $ 368,000 |
| Burlington-South Burlington, VT | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Casper, WY | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| Champaign-Urbana, IL | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Duluth, MN-WI | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Eau Claire, WI | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| El Paso, TX | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Flagstaff, AZ | 1 | $ 535,000 | $ 535,000 | $ 118,000 |
| Green Bay, WI | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Jackson, MI | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Kankakee, IL | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Lancaster, PA | 1 | $ 395,000 | $ 395,000 | $ 110,000 |
| Lubbock, TX | 1 | $ 195,000 | $ 195,000 | $ 186,000 |
| Morgantown, WV | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Morristown, TN | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Napa, CA | 1 | $ 635,000 | $ 635,000 | $ 940,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| New Haven-Milford, CT | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| New Orleans-Metairie, LA | 1 | $ 755,000 | $ 755,000 | $ 208,000 |
| Norwich-New London, CT | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 435,000 | $ 435,000 | $ 260,000 |
| Pittsfield, MA | 1 | $ 355,000 | $ 355,000 | $ 75,000 |
| Salinas, CA | 1 | $ 255,000 | $ 255,000 | $ 207,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Sherman-Denison, TX | 1 | $ 265,000 | $ 265,000 | $ 166,000 |
| Springfield, MA | 1 | $ 555,000 | $ 555,000 | $ 263,000 |
| Staunton-Waynesboro, VA | 1 | $ 485,000 | $ 485,000 | $ 111,000 |
| Visalia-Porterville, CA | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Wichita, KS | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Yakima, WA | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Yuba City, CA | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Bay Equity LLC in 2025
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 | 6,780 | $2,951,790,000 | $435,000 | $2,995,000 | $173,000 | $4,856,000 |
| Cash-out Refinancing | 178 | $68,550,000 | $385,000 | $1,755,000 | $216,000 | $1,369,000 |
| Refinancing | 153 | $73,955,000 | $483,000 | $2,835,000 | $203,000 | $1,551,000 |
| 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 | 3,670 | $1,524,860,000 | $415,000 | $2,485,000 | $171,000 | $4,584,000 |
| Not Provided | 1,178 | $553,860,000 | $470,000 | $2,325,000 | $188,000 | $2,100,000 |
| Asian | 882 | $485,400,000 | $550,000 | $2,995,000 | $210,000 | $1,330,000 |
| Hispanic | 775 | $299,975,000 | $387,000 | $1,515,000 | $165,000 | $4,856,000 |
| Black or African American | 526 | $199,840,000 | $379,000 | $2,515,000 | $135,000 | $914,000 |
| American Indian or Alaskan Native | 45 | $16,755,000 | $372,000 | $805,000 | $130,000 | $287,000 |
| Native Hawaiian or Other Pacific Islander | 35 | $13,605,000 | $388,000 | $805,000 | $136,000 | $505,000 |
| 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) | 5,419 | $2,396,165,000 | $442,000 | $2,995,000 | $188,000 | $4,856,000 |
| FHA-insured (Federal Housing Administration) | 1,124 | $418,410,000 | $372,000 | $1,165,000 | $119,000 | $2,100,000 |
| VA-guaranteed (Veterans Administration) | 547 | $274,355,000 | $501,000 | $2,105,000 | $161,000 | $1,332,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $5,365,000 | $255,000 | $375,000 | $84,000 | $140,000 |
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 | 4,443 | $1,854,285,000 | $417,000 | $2,995,000 | $170,000 | $2,391,000 |
| Application Withdrawn By Applicant | 1,823 | $803,305,000 | $440,000 | $2,835,000 | $188,000 | $4,856,000 |
| Preapproval Approved but not Accepted | 442 | $254,870,000 | $576,000 | $2,485,000 | $183,000 | $1,375,000 |
| Application Denied By Financial Institution | 228 | $95,700,000 | $419,000 | $1,855,000 | $150,000 | $2,253,000 |
| Preapproval Denied by Financial Institution | 117 | $65,575,000 | $560,000 | $2,565,000 | $151,000 | $726,000 |
| Application Approved But Not Accepted | 32 | $12,030,000 | $375,000 | $905,000 | $152,000 | $584,000 |
| File Closed For Incompleteness | 26 | $8,530,000 | $328,000 | $975,000 | $152,000 | $632,000 |
| 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 | 6,766 | $2,933,020,000 | $433,000 | $2,995,000 | $176,000 | $4,856,000 |
| Debt-To-Income Ratio | 123 | $56,335,000 | $458,000 | $2,325,000 | $124,000 | $600,000 |
| Employment History | 123 | $65,285,000 | $530,000 | $2,565,000 | $145,000 | $726,000 |
| Collateral | 60 | $19,880,000 | $331,000 | $825,000 | $183,000 | $2,253,000 |
| Credit History | 34 | $14,950,000 | $439,000 | $1,495,000 | $174,000 | $454,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $4,825,000 | $965,000 | $1,375,000 | $360,000 | $715,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay Equity LLC's 2025 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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