Lender in Washington · HMDA 2025
Bay Equity LLC mortgages in Washington
Bay Equity LLC's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Bay Equity LLC originated 439 owner-occupied single-family loans in Washington from 461 completed applications.
Its median conventional purchase loan costs were $7,110 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
439
of 461 applications
Denial rate
4.0%
Purchase · WA 5.9%
Rate spread
+0.05 pts
Conv. · WA +0.10 pts
Loan amount
$475,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 444 | 423 | 4.0% | 6.625% | +0.05 pts | $7,110 | $475,000 |
| Refinance | 8 | 8 | — | — | — | — | — |
| Cash-out refinance | 9 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Bay Equity LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Asotin County | 12 | 8 | 2.7% |
| Garfield County | 21 | 1 | 3.0% |
| Pierce County | 23 | 129 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology