Bay Bank Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 254900ACGDT107SC5E82

Tax ID: 39-1806371

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bay Bank is a smaller bank specializing in Home Purchase loans. Bay Bank has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Shawano, Grand Rapids, and Wausau among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bay Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    117

    Origination Dollar Volume (All Markets)

    $21,585,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    GREEN BAY, WI (FHA|USDA|VA) 55 $12,195,000 $221,727 $0 0.00%
    APPLETON, WI (FHA|USDA|VA) 22 $3,600,000 $163,636 $0 0.00%
    Shawano, WI (FHA|USDA|VA) 21 $2,585,000 $123,095 $0 0.00%
    Outside of Metro Areas 15 $2,325,000 $155,000 $0 0.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    Bay Bank's top markets include Green Bay, Appleton, Shawano, Grand Rapids, and Wausau among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 117 $21,585,000 $184,487 $0 0.00%

    For 2024, Bay Bank's most frequently originated type of loan was Conventional, with 117 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 59 $15,095,000 $255,847 $0 0.00%
    Home Improvement 21 $1,705,000 $81,190 $0 0.00%
    Cash Out Refi 20 $2,990,000 $149,500 $0 0.00%
    Other 13 $1,025,000 $78,846 $0 0.00%
    Refi 4 $770,000 $192,500 $0 0.00%

    For 2024, Bay Bank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Home Improvement, with 21 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 117 $21,585,000 $184,487 $0 0.00%

    For 2024, Bay Bank's most frequently cited loan duration was Other, with 117 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 41 $2,415,000 $58,902 $0 0.00%
    $200k-400k 34 $9,400,000 $276,471 $0 0.00%
    $100k-200k 33 $4,715,000 $142,879 $0 0.00%
    $400k-600k 7 $3,335,000 $476,429 $0 0.00%
    $1MM+ 1 $1,105,000 $1,105,000 $0 0.00%
    $600k-1MM 1 $615,000 $615,000 $0 0.00%

    2024 saw Bay Bank place emphasis on $100,000 or less loans with 41 originations, totaling $2,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 33 $4,225,000 $128,030 $0 0.00%
    $100k-150k 24 $4,330,000 $180,417 $0 0.00%
    $150k-250k 21 $5,485,000 $261,190 $0 0.00%
    $75k-100k 20 $2,620,000 $131,000 $0 0.00%
    $50k or less 9 $605,000 $67,222 $0 0.00%
    $250k+ 6 $2,990,000 $498,333 $0 0.00%

    Bay Bank lent most frequently to those with incomes in the $50k-75k range, with 33 originations. The second most popular income band? $100k-150k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 117 $21,585,000 $184,487 $0 0.00%

    Bay Bank lent most frequently to those with DTI ratios of Exempt%, with 117 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    American Indian 92 $15,220,000 $165,435 $0 0.00%
    White 20 $4,880,000 $244,000 $0 0.00%
    Not applicable 4 $1,330,000 $332,500 $0 0.00%
    Native Hawaiian or Islander 1 $155,000 $155,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.90%

    Bay Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.89%

    Bay Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 117 $21,585,000 $184,487

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    117 $21,585,000 $184,487