Lender in Texas · HMDA 2025
Bay Equity LLC mortgages in Texas
Bay Equity LLC's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Bay Equity LLC originated 275 owner-occupied single-family loans in Texas from 288 completed applications.
Its median conventional purchase loan costs were $4,520 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
275
of 288 applications
Denial rate
3.6%
Purchase · TX 10.2%
Rate spread
+0.14 pts
Conv. · TX +0.09 pts
Loan amount
$335,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 280 | 268 | 3.6% | 6.750% | +0.14 pts | $4,520 | $335,000 |
| Refinance | 5 | 4 | — | — | — | — | — |
| Cash-out refinance | 3 | 3 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology