Lender in California · HMDA 2025
Bay Equity LLC mortgages in California
Bay Equity LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Bay Equity LLC originated 380 owner-occupied single-family loans in California from 398 completed applications.
Its median conventional purchase loan costs were $6,770 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.875% (California: 6.625%).
Loans in CA
380
of 398 applications
Denial rate
3.7%
Purchase · CA 8.9%
Rate spread
+0.14 pts
Conv. · CA +0.09 pts
Loan amount
$585,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 375 | 359 | 3.7% | 6.875% | +0.14 pts | $6,770 | $585,000 |
| Refinance | 13 | 11 | — | — | — | — | — |
| Cash-out refinance | 10 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology