Bay Equity LLC Mortgage Lending & HMDA Data, 2019
In 2019, Bay Equity LLC of Detroit, MI reported 22,747 mortgage applications totaling $6.8 billion, up 23% from 2018. The average application was for $298,551, and applicants reported an average income of $106,695. 74% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,643), Phoenix-Mesa-Scottsdale, AZ (1,597) and Grand Junction, CO (1,363) (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 | 22,747 |
| Total Mortgage Loan Application Amount | $6,791,155,000 |
| Average Mortgage Loan Application Amount | $298,551 |
| Highest Mortgage Loan Application Amount | $4,875,000 |
| Average Applicant Income | $106,695 |
| Highest Applicant Income | $3,815,000 |
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Act (HMDA) records Bay Equity LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,603 | $ 995,135,000 | $ 276,196 | $ 99,081 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,643 | $ 392,855,000 | $ 239,108 | $ 94,150 |
| Phoenix-Mesa-Scottsdale, AZ | 1,597 | $ 429,105,000 | $ 268,694 | $ 102,000 |
| Grand Junction, CO | 1,363 | $ 335,265,000 | $ 245,975 | $ 90,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,106 | $ 297,810,000 | $ 269,267 | $ 117,000 |
| Tacoma-Lakewood, WA | 976 | $ 319,680,000 | $ 327,540 | $ 99,000 |
| Seattle-Bellevue-Everett, WA | 940 | $ 398,730,000 | $ 424,180 | $ 133,000 |
| San Diego-Carlsbad, CA | 923 | $ 467,905,000 | $ 506,939 | $ 167,000 |
| Chicago-Naperville, IL | 776 | $ 165,200,000 | $ 212,886 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 469 | $ 170,595,000 | $ 363,742 | $ 120,000 |
| St. George, UT | 425 | $ 110,225,000 | $ 259,352 | $ 90,000 |
| Oakland-Hayward-Berkeley, CA | 414 | $ 233,150,000 | $ 563,164 | $ 168,000 |
| Colorado Springs, CO | 410 | $ 121,710,000 | $ 296,853 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 408 | $ 187,320,000 | $ 459,117 | $ 126,000 |
| Fresno, CA | 383 | $ 116,015,000 | $ 302,911 | $ 129,000 |
| Hartford-West Hartford-East Hartford, CT | 283 | $ 65,745,000 | $ 232,314 | $ 122,000 |
| Houston-The Woodlands-Sugar Land, TX | 272 | $ 62,190,000 | $ 228,639 | $ 114,000 |
| Columbia, SC | 270 | $ 47,750,000 | $ 176,851 | $ 69,000 |
| Albuquerque, NM | 261 | $ 52,355,000 | $ 200,593 | $ 86,000 |
| Lake County-Kenosha County, IL-WI | 242 | $ 46,330,000 | $ 191,446 | $ 97,479 |
| Anaheim-Santa Ana-Irvine, CA | 213 | $ 131,005,000 | $ 615,046 | $ 181,000 |
| Riverside-San Bernardino-Ontario, CA | 207 | $ 75,065,000 | $ 362,632 | $ 109,000 |
| Charlotte-Concord-Gastonia, NC-SC | 197 | $ 40,185,000 | $ 203,984 | $ 83,837 |
| Tampa-St. Petersburg-Clearwater, FL | 197 | $ 41,165,000 | $ 208,959 | $ 83,000 |
| Orlando-Kissimmee-Sanford, FL | 186 | $ 39,670,000 | $ 213,279 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 179 | $ 32,425,000 | $ 181,145 | $ 63,000 |
| Reno, NV | 176 | $ 58,880,000 | $ 334,545 | $ 123,000 |
| Stockton-Lodi, CA | 173 | $ 53,955,000 | $ 311,878 | $ 96,000 |
| Olympia-Tumwater, WA | 169 | $ 48,465,000 | $ 286,775 | $ 85,000 |
| Tucson, AZ | 160 | $ 32,440,000 | $ 202,750 | $ 89,000 |
| Las Vegas-Henderson-Paradise, NV | 158 | $ 41,580,000 | $ 263,164 | $ 77,000 |
| Montgomery, AL | 145 | $ 25,655,000 | $ 176,931 | $ 73,000 |
| Asheville, NC | 139 | $ 38,215,000 | $ 274,928 | $ 105,000 |
| Jacksonville, FL | 135 | $ 32,705,000 | $ 242,259 | $ 108,000 |
| Louisville/Jefferson County, KY-IN | 114 | $ 19,630,000 | $ 172,192 | $ 74,912 |
| Mount Vernon-Anacortes, WA | 102 | $ 32,330,000 | $ 316,960 | $ 96,000 |
| Oklahoma City, OK | 100 | $ 22,030,000 | $ 220,300 | $ 112,000 |
| Wenatchee, WA | 99 | $ 29,345,000 | $ 296,414 | $ 106,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 92 | $ 66,990,000 | $ 728,152 | $ 231,000 |
| Boston, MA | 87 | $ 32,285,000 | $ 371,091 | $ 93,000 |
| Bremerton-Silverdale, WA | 83 | $ 27,075,000 | $ 326,204 | $ 98,000 |
| Brunswick, GA | 82 | $ 16,180,000 | $ 197,317 | $ 99,000 |
| Elgin, IL | 78 | $ 15,830,000 | $ 202,948 | $ 81,000 |
| Worcester, MA-CT | 77 | $ 21,125,000 | $ 274,350 | $ 87,909 |
| Cambridge-Newton-Framingham, MA | 76 | $ 23,650,000 | $ 311,184 | $ 104,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 71 | $ 25,885,000 | $ 364,577 | $ 107,014 |
| Sacramento--Roseville--Arden-Arcade, CA | 71 | $ 27,475,000 | $ 386,971 | $ 124,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 69 | $ 13,755,000 | $ 199,347 | $ 65,000 |
| Charleston-North Charleston, SC | 66 | $ 13,080,000 | $ 198,181 | $ 70,000 |
| Boise City, ID | 65 | $ 20,595,000 | $ 316,846 | $ 123,000 |
| Dallas-Plano-Irving, TX | 65 | $ 18,355,000 | $ 282,384 | $ 131,000 |
| Kansas City, MO-KS | 65 | $ 15,285,000 | $ 235,153 | $ 92,153 |
| Rochester, MN | 65 | $ 12,255,000 | $ 188,538 | $ 74,000 |
| Knoxville, TN | 62 | $ 10,750,000 | $ 173,387 | $ 65,000 |
| Prescott Valley-Prescott, AZ | 61 | $ 19,885,000 | $ 325,983 | $ 134,000 |
| Cape Coral-Fort Myers, FL | 60 | $ 13,150,000 | $ 219,166 | $ 118,000 |
| Port St. Lucie, FL | 59 | $ 13,605,000 | $ 230,593 | $ 66,000 |
| New Haven-Milford, CT | 52 | $ 11,470,000 | $ 220,576 | $ 93,000 |
| Norwich-New London, CT | 51 | $ 11,385,000 | $ 223,235 | $ 101,000 |
| Lakeland-Winter Haven, FL | 49 | $ 9,255,000 | $ 188,877 | $ 73,000 |
| Modesto, CA | 46 | $ 12,080,000 | $ 262,608 | $ 80,000 |
| San Francisco-Redwood City-South San Francisco, CA | 46 | $ 38,200,000 | $ 830,434 | $ 249,000 |
| Greeley, CO | 45 | $ 15,075,000 | $ 335,000 | $ 164,000 |
| Urban Honolulu, HI | 45 | $ 25,445,000 | $ 565,444 | $ 160,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 39 | $ 11,245,000 | $ 288,333 | $ 175,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 8,490,000 | $ 249,705 | $ 98,000 |
| St. Cloud, MN | 34 | $ 5,240,000 | $ 154,117 | $ 62,000 |
| Santa Cruz-Watsonville, CA | 32 | $ 19,280,000 | $ 602,500 | $ 145,000 |
| Vallejo-Fairfield, CA | 32 | $ 12,970,000 | $ 405,312 | $ 170,000 |
| Morristown, TN | 30 | $ 5,510,000 | $ 183,666 | $ 85,000 |
| Lansing-East Lansing, MI | 29 | $ 4,215,000 | $ 145,344 | $ 74,000 |
| Madera, CA | 28 | $ 7,760,000 | $ 277,142 | $ 188,000 |
| Provo-Orem, UT | 27 | $ 9,645,000 | $ 357,222 | $ 122,000 |
| San Rafael, CA | 27 | $ 19,655,000 | $ 727,962 | $ 216,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 14,680,000 | $ 564,615 | $ 137,000 |
| Bellingham, WA | 25 | $ 6,345,000 | $ 253,800 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 23 | $ 4,315,000 | $ 187,608 | $ 80,608 |
| Lexington-Fayette, KY | 23 | $ 4,195,000 | $ 182,391 | $ 72,000 |
| Santa Rosa, CA | 23 | $ 10,955,000 | $ 476,304 | $ 170,000 |
| Kahului-Wailuku-Lahaina, HI | 22 | $ 11,490,000 | $ 522,272 | $ 118,000 |
| North Port-Sarasota-Bradenton, FL | 22 | $ 6,620,000 | $ 300,909 | $ 120,000 |
| Salt Lake City, UT | 22 | $ 6,370,000 | $ 289,545 | $ 93,000 |
| Providence-Warwick, RI-MA | 21 | $ 7,165,000 | $ 341,190 | $ 71,666 |
| Punta Gorda, FL | 21 | $ 3,485,000 | $ 165,952 | $ 84,000 |
| Spokane-Spokane Valley, WA | 21 | $ 6,275,000 | $ 298,809 | $ 135,000 |
| Bakersfield, CA | 20 | $ 4,830,000 | $ 241,500 | $ 93,000 |
| Duluth, MN-WI | 19 | $ 3,215,000 | $ 169,210 | $ 74,000 |
| Fort Worth-Arlington, TX | 19 | $ 4,555,000 | $ 239,736 | $ 102,000 |
| Flagstaff, AZ | 18 | $ 5,250,000 | $ 291,666 | $ 118,000 |
| Salinas, CA | 16 | $ 10,220,000 | $ 638,750 | $ 217,000 |
| Yakima, WA | 16 | $ 3,400,000 | $ 212,500 | $ 87,000 |
| Lake Havasu City-Kingman, AZ | 15 | $ 2,855,000 | $ 190,333 | $ 80,000 |
| Pueblo, CO | 15 | $ 2,885,000 | $ 192,333 | $ 67,000 |
| Fort Collins, CO | 14 | $ 4,920,000 | $ 351,428 | $ 153,000 |
| Merced, CA | 14 | $ 4,190,000 | $ 299,285 | $ 105,000 |
| Salem, OR | 14 | $ 4,120,000 | $ 294,285 | $ 135,000 |
| San Antonio-New Braunfels, TX | 14 | $ 3,410,000 | $ 243,571 | $ 113,000 |
| Santa Fe, NM | 14 | $ 3,550,000 | $ 253,571 | $ 87,000 |
| Visalia-Porterville, CA | 14 | $ 3,550,000 | $ 253,571 | $ 98,000 |
| Austin-Round Rock, TX | 10 | $ 3,610,000 | $ 361,000 | $ 125,000 |
| Bend-Redmond, OR | 10 | $ 3,360,000 | $ 336,000 | $ 144,000 |
| Boulder, CO | 10 | $ 4,920,000 | $ 492,000 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 6,800,000 | $ 680,000 | $ 253,000 |
| Elizabethtown-Fort Knox, KY | 10 | $ 1,600,000 | $ 160,000 | $ 80,000 |
| Kennewick-Richland, WA | 10 | $ 3,060,000 | $ 306,000 | $ 102,000 |
| Ogden-Clearfield, UT | 10 | $ 2,960,000 | $ 296,000 | $ 76,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,680,000 | $ 268,000 | $ 90,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 10 | $ 6,860,000 | $ 686,000 | $ 262,000 |
| Gainesville, GA | 9 | $ 2,095,000 | $ 232,777 | $ 140,000 |
| Hanford-Corcoran, CA | 9 | $ 2,095,000 | $ 232,777 | $ 81,000 |
| Panama City, FL | 9 | $ 2,505,000 | $ 278,333 | $ 96,000 |
| Springfield, MA | 9 | $ 1,955,000 | $ 217,222 | $ 99,000 |
| Bowling Green, KY | 8 | $ 1,320,000 | $ 165,000 | $ 67,000 |
| Missoula, MT | 8 | $ 2,070,000 | $ 258,750 | $ 60,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,700,000 | $ 337,500 | $ 274,000 |
| Cheyenne, WY | 7 | $ 1,905,000 | $ 272,142 | $ 94,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 1,875,000 | $ 267,857 | $ 94,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 1,515,000 | $ 216,428 | $ 85,000 |
| Manchester-Nashua, NH | 7 | $ 1,905,000 | $ 272,142 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,755,000 | $ 250,714 | $ 60,000 |
| Raleigh, NC | 7 | $ 1,315,000 | $ 187,857 | $ 79,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 4,495,000 | $ 642,142 | $ 261,000 |
| Sierra Vista-Douglas, AZ | 7 | $ 1,465,000 | $ 209,285 | $ 69,000 |
| Longview, WA | 6 | $ 1,980,000 | $ 330,000 | $ 85,000 |
| Rome, GA | 6 | $ 940,000 | $ 156,666 | $ 201,000 |
| Savannah, GA | 6 | $ 1,290,000 | $ 215,000 | $ 108,000 |
| Sebastian-Vero Beach, FL | 6 | $ 1,290,000 | $ 215,000 | $ 62,000 |
| Billings, MT | 5 | $ 1,015,000 | $ 203,000 | $ 79,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 3,825,000 | $ 765,000 | $ 376,000 |
| Kankakee, IL | 5 | $ 715,000 | $ 143,000 | $ 58,000 |
| Mankato-North Mankato, MN | 5 | $ 2,215,000 | $ 443,000 | $ 136,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 975,000 | $ 195,000 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,325,000 | $ 265,000 | $ 106,000 |
| Portland-South Portland, ME | 5 | $ 1,395,000 | $ 279,000 | $ 103,000 |
| Spartanburg, SC | 5 | $ 825,000 | $ 165,000 | $ 65,000 |
| Sumter, SC | 5 | $ 735,000 | $ 147,000 | $ 45,000 |
| Warner Robins, GA | 5 | $ 865,000 | $ 173,000 | $ 59,000 |
| Athens-Clarke County, GA | 4 | $ 1,420,000 | $ 355,000 | $ 390,000 |
| Auburn-Opelika, AL | 4 | $ 1,090,000 | $ 272,500 | $ 267,000 |
| Coeur D'Alene, ID | 4 | $ 840,000 | $ 210,000 | $ 70,000 |
| El Centro, CA | 4 | $ 790,000 | $ 197,500 | $ 114,000 |
| Florence, SC | 4 | $ 330,000 | $ 82,500 | $ 54,000 |
| Jackson, MI | 4 | $ 430,000 | $ 107,500 | $ 54,000 |
| Logan, UT-ID | 4 | $ 980,000 | $ 245,000 | $ 73,000 |
| Napa, CA | 4 | $ 3,020,000 | $ 755,000 | $ 181,000 |
| Ocala, FL | 4 | $ 660,000 | $ 165,000 | $ 64,000 |
| Racine, WI | 4 | $ 860,000 | $ 215,000 | $ 81,000 |
| Redding, CA | 4 | $ 1,260,000 | $ 315,000 | $ 77,000 |
| Rockford, IL | 4 | $ 550,000 | $ 137,500 | $ 77,000 |
| Barnstable Town, MA | 3 | $ 1,015,000 | $ 338,333 | $ 167,000 |
| Birmingham-Hoover, AL | 3 | $ 565,000 | $ 188,333 | $ 82,000 |
| Carson City, NV | 3 | $ 785,000 | $ 261,666 | $ 71,000 |
| Cincinnati, OH-KY-IN | 3 | $ 705,000 | $ 235,000 | $ 49,000 |
| Corvallis, OR | 3 | $ 1,265,000 | $ 421,666 | $ 93,000 |
| Gary, IN | 3 | $ 1,075,000 | $ 358,333 | $ 147,000 |
| Homosassa Springs, FL | 3 | $ 425,000 | $ 141,666 | $ 63,000 |
| Macon-Bibb County, GA | 3 | $ 515,000 | $ 171,666 | $ 38,000 |
| Sherman-Denison, TX | 3 | $ 425,000 | $ 141,666 | $ 114,000 |
| St. Louis, MO-IL | 3 | $ 475,000 | $ 158,333 | $ 161,000 |
| Yuma, AZ | 3 | $ 565,000 | $ 188,333 | $ 82,000 |
| Bloomington, IL | 2 | $ 210,000 | $ 105,000 | $ 149,000 |
| Chattanooga, TN-GA | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Chico, CA | 2 | $ 460,000 | $ 230,000 | $ 105,000 |
| Clarksville, TN-KY | 2 | $ 460,000 | $ 230,000 | $ 23,000 |
| Cleveland, TN | 2 | $ 540,000 | $ 270,000 | $ 120,000 |
| College Station-Bryan, TX | 2 | $ 470,000 | $ 235,000 | $ 315,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 410,000 | $ 205,000 | $ 73,000 |
| Durham-Chapel Hill, NC | 2 | $ 410,000 | $ 205,000 | $ 45,000 |
| Eugene, OR | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| Fayetteville, NC | 2 | $ 360,000 | $ 180,000 | $ 154,000 |
| Gainesville, FL | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Great Falls, MT | 2 | $ 630,000 | $ 315,000 | $ 184,000 |
| Hinesville, GA | 2 | $ 490,000 | $ 245,000 | $ 71,000 |
| Janesville-Beloit, WI | 2 | $ 320,000 | $ 160,000 | $ 36,000 |
| Las Cruces, NM | 2 | $ 400,000 | $ 200,000 | $ 60,000 |
| Medford, OR | 2 | $ 850,000 | $ 425,000 | $ 145,000 |
| Sioux Falls, SD | 2 | $ 490,000 | $ 245,000 | $ 101,000 |
| Tulsa, OK | 2 | $ 570,000 | $ 285,000 | $ 133,000 |
| Ann Arbor, MI | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Battle Creek, MI | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Beaumont-Port Arthur, TX | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Elkhart-Goshen, IN | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Fargo, ND-MN | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Farmington, NM | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Grand Forks, ND-MN | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 485,000 | $ 485,000 | $ 204,000 |
| Grants Pass, OR | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Jacksonville, NC | 1 | $ 65,000 | $ 65,000 | $ 183,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Lewiston, ID-WA | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Michigan City-La Porte, IN | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Midland, TX | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| New Orleans-Metairie, LA | 1 | $ 175,000 | $ 175,000 | $ 158,000 |
| Odessa, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Peoria, IL | 1 | $ 225,000 | $ 225,000 | $ 747,000 |
| Pocatello, ID | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Sheboygan, WI | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Springfield, IL | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Springfield, MO | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Tallahassee, FL | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Topeka, KS | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Tuscaloosa, AL | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Tyler, TX | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Walla Walla, WA | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Wilmington, NC | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Yuba City, CA | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Bay Equity LLC in 2019
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 | 14,878 | $4,156,820,000 | $279,000 | $2,325,000 | $103,000 | $3,600,000 |
| Refinancing | 4,411 | $1,562,715,000 | $354,000 | $4,875,000 | $115,000 | $3,815,000 |
| Cash-out Refinancing | 3,458 | $1,071,620,000 | $309,000 | $1,855,000 | $112,000 | $1,610,000 |
| 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 | 14,695 | $4,400,735,000 | $299,000 | $4,875,000 | $111,000 | $3,815,000 |
| Hispanic | 3,007 | $809,265,000 | $269,000 | $2,705,000 | $82,000 | $3,337,000 |
| Not Provided | 2,757 | $919,045,000 | $333,000 | $2,005,000 | $120,000 | $2,077,000 |
| Black or African American | 1,219 | $308,825,000 | $253,000 | $2,015,000 | $83,000 | $812,000 |
| Asian | 802 | $275,260,000 | $343,000 | $2,725,000 | $115,000 | $649,000 |
| American Indian or Alaskan Native | 175 | $44,345,000 | $253,000 | $695,000 | $95,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 71 | $24,135,000 | $339,000 | $1,275,000 | $96,000 | $533,000 |
| 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) | 15,019 | $4,718,775,000 | $314,000 | $4,875,000 | $124,000 | $3,815,000 |
| FHA-insured (Federal Housing Administration) | 5,408 | $1,343,330,000 | $248,000 | $865,000 | $73,000 | $2,334,000 |
| VA-guaranteed (Veterans Administration) | 1,910 | $644,710,000 | $337,000 | $1,465,000 | $77,000 | $460,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 410 | $84,340,000 | $205,000 | $675,000 | $61,000 | $142,000 |
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 | 16,845 | $4,969,555,000 | $295,000 | $4,875,000 | $106,000 | $3,815,000 |
| File Closed For Incompleteness | 2,278 | $738,730,000 | $324,000 | $2,705,000 | $114,000 | $3,600,000 |
| Application Withdrawn By Applicant | 2,225 | $635,405,000 | $285,000 | $2,085,000 | $106,000 | $2,780,000 |
| Application Denied By Financial Institution | 1,019 | $320,705,000 | $314,000 | $2,835,000 | $108,000 | $1,218,000 |
| Application Approved But Not Accepted | 147 | $43,315,000 | $294,000 | $855,000 | $103,000 | $746,000 |
| Preapproval Approved but not Accepted | 135 | $56,195,000 | $416,000 | $1,605,000 | $124,000 | $804,000 |
| Preapproval Denied by Financial Institution | 98 | $27,250,000 | $278,000 | $1,245,000 | $95,000 | $2,023,000 |
| 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 | 21,630 | $6,443,200,000 | $297,000 | $4,875,000 | $107,000 | $3,815,000 |
| Debt-To-Income Ratio | 532 | $180,770,000 | $339,000 | $2,505,000 | $108,000 | $2,023,000 |
| Collateral | 261 | $75,805,000 | $290,000 | $2,835,000 | $116,000 | $1,218,000 |
| Credit History | 145 | $40,665,000 | $280,000 | $1,505,000 | $98,000 | $516,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 85 | $22,695,000 | $267,000 | $1,085,000 | $85,000 | $387,000 |
| Employment History | 72 | $21,490,000 | $298,000 | $1,145,000 | $103,000 | $950,000 |
| Unverifiable Information | 10 | $2,740,000 | $274,000 | $605,000 | $94,000 | $336,000 |
| Other | 9 | $2,925,000 | $325,000 | $1,005,000 | $119,000 | $635,000 |
| Credit Application Incomplete | 3 | $865,000 | $288,000 | $325,000 | $73,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay Equity LLC's 2019 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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