Lender in Colorado · HMDA 2025
Bay Equity LLC mortgages in Colorado
Bay Equity LLC's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
Bay Equity LLC originated 237 owner-occupied single-family loans in Colorado from 251 completed applications.
Its median conventional purchase loan costs were $3,940 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.875% (Colorado: 6.50%).
Loans in CO
237
of 251 applications
Denial rate
3.9%
Purchase · CO 6.3%
Rate spread
+0.15 pts
Conv. · CO +0.04 pts
Loan amount
$415,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 232 | 220 | 3.9% | 6.875% | +0.15 pts | $3,940 | $415,000 |
| Refinance | 13 | 12 | — | — | — | — | — |
| Cash-out refinance | 6 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where Bay Equity LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Garfield County | 3 | 58 | 8.0% |
| Pitkin County | 10 | 5 | 3.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology