Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
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Mortgage Data
Review & Overview
Bay Equity is a mid-sized mortgage company specializing in Home Purchase loans. Bay Equity has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Minneapolis, Los Angeles, San Diego, and Phoenix among others. We have data for 253 markets. (Some data included below & more in-depth data is available with an active subscription.)Bay Equity has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bay Equity is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.63% | 4/22/24 |
| 30 Year Conventional Refi | 6.55% | 4/22/24 |
| 30 Year Cash-out Refi | 6.78% | 4/22/24 |
| 30 Year FHA Purchase | 7.49% | 4/22/24 |
| 30 Year FHA Refi | 7.02% | 4/22/24 |
| 30 Year VA Purchase | 6.27% | 4/22/24 |
| 30 Year VA Refi | 6.19% | 4/22/24 |
| 30 Year USDA Purchase | 6.74% | 4/22/24 |
| 30 Year USDA Refi | 6.27% | 4/22/24 |
| 15 Year Conventional Purchase | 6.02% | 4/22/24 |
| 15 Year Conventional Refi | 6.10% | 4/22/24 |
| 15 Year Cash-out Refi | 6.10% | 4/22/24 |
| 15 Year FHA Purchase | 5.68% | 4/22/24 |
| 15 Year FHA Refi | 7.10% | 4/22/24 |
| 15 Year VA Refi | 5.92% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bay Equity Mortgage Calculator
Your Estimates
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This is not an official calculator from Bay Equity. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,614Origination Dollar Volume (All Markets)
$3,570,580,000Awards
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BAY EQUITY - 2018
BAY EQUITY is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 920 | $323,300,000 | $351,413 | $8,497 | 4.91% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1,128 | $250,880,000 | $222,411 | $5,425 | 4.86% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 557 | $244,685,000 | $439,291 | $9,881 | 4.85% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 527 | $241,975,000 | $459,156 | $7,890 | 4.74% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 946 | $240,880,000 | $254,630 | $5,710 | 5.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 403 | $217,275,000 | $539,144 | $7,740 | 4.73% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 863 | $191,905,000 | $222,370 | $4,904 | 4.84% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 873 | $175,395,000 | $200,911 | $6,103 | 4.82% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 616 | $147,370,000 | $239,237 | $6,206 | 4.97% |
| Glenwood Springs, CO (FHA|USDA|VA) | 454 | $137,420,000 | $302,687 | $4,733 | 4.87% |
| FRESNO, CA (FHA|USDA|VA) | 368 | $99,050,000 | $269,158 | $6,414 | 4.92% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 242 | $84,370,000 | $348,636 | $5,311 | 4.80% |
| Outside of Metro Areas | 341 | $78,945,000 | $231,510 | $4,959 | 4.85% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 264 | $69,930,000 | $264,886 | $8,131 | 4.70% |
| ST. GEORGE, UT (FHA|USDA|VA) | 261 | $62,015,000 | $237,605 | $5,876 | 4.92% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 198 | $52,380,000 | $264,545 | $5,040 | 4.82% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 73 | $47,345,000 | $648,562 | $6,110 | 4.93% |
| Steamboat Springs, CO (FHA|USDA|VA) | 135 | $44,225,000 | $327,593 | $3,704 | 4.83% |
| Gillette, WY (FHA|USDA|VA) | 227 | $43,975,000 | $193,722 | $6,361 | 4.41% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 99 | $42,495,000 | $429,242 | $8,491 | 4.89% |
| STOCKTON, CA (FHA|USDA|VA) | 141 | $42,405,000 | $300,745 | $7,820 | 5.09% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 157 | $39,285,000 | $250,223 | $6,624 | 5.06% |
| Edwards, CO (FHA|USDA|VA) | 94 | $34,450,000 | $366,489 | $5,781 | 4.83% |
| SALINAS, CA (FHA|USDA|VA) | 79 | $25,485,000 | $322,595 | $7,164 | 4.41% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 144 | $25,280,000 | $175,556 | $3,463 | 4.91% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 86 | $23,530,000 | $273,605 | $7,644 | 4.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 67 | $22,275,000 | $332,463 | $6,628 | 4.92% |
| ASHEVILLE, NC (FHA|USDA|VA) | 72 | $21,290,000 | $295,694 | $5,268 | 4.80% |
| Montrose, CO (FHA|USDA|VA) | 86 | $20,040,000 | $233,023 | $4,730 | 4.80% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 31 | $19,265,000 | $621,452 | $6,844 | 4.57% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 63 | $17,745,000 | $281,667 | $8,315 | 4.94% |
| WENATCHEE, WA (FHA|USDA|VA) | 66 | $17,130,000 | $259,545 | $9,241 | 4.85% |
| Kalispell, MT (FHA|USDA|VA) | 61 | $16,155,000 | $264,836 | $5,379 | 5.07% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 78 | $14,760,000 | $189,231 | $7,069 | 5.34% |
| MONTGOMERY, AL (FHA|USDA|VA) | 83 | $14,345,000 | $172,831 | $4,376 | 4.91% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 24 | $13,560,000 | $565,000 | $12,054 | 4.85% |
| KNOXVILLE, TN (FHA|USDA|VA) | 84 | $13,230,000 | $157,500 | $4,965 | 4.90% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 49 | $13,125,000 | $267,857 | $5,000 | 4.95% |
| COLUMBIA, SC (FHA|USDA|VA) | 76 | $11,680,000 | $153,684 | $5,360 | 4.82% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 40 | $11,590,000 | $289,750 | $7,245 | 4.93% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 35 | $11,065,000 | $316,143 | $5,753 | 4.97% |
| VALLEJO, CA (FHA|USDA|VA) | 33 | $10,955,000 | $331,970 | $7,288 | 4.87% |
| BOISE CITY, ID (FHA|USDA|VA) | 35 | $10,295,000 | $294,143 | $4,557 | 4.96% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 21 | $10,265,000 | $488,810 | $11,221 | 4.97% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 28 | $9,930,000 | $354,643 | $7,707 | 4.86% |
| Sevierville, TN (FHA|USDA|VA) | 48 | $9,540,000 | $198,750 | $4,532 | 5.01% |
| MODESTO, CA (FHA|USDA|VA) | 34 | $9,530,000 | $280,294 | $7,321 | 5.03% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 40 | $9,440,000 | $236,000 | $6,457 | 4.84% |
| Payson, AZ (FHA|USDA|VA) | 46 | $8,590,000 | $186,739 | $5,902 | 4.95% |
| NAPA, CA (FHA|USDA|VA) | 15 | $8,475,000 | $565,000 | $10,201 | 4.91% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 44 | $8,470,000 | $192,500 | $6,687 | 5.02% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 42 | $8,350,000 | $198,810 | $6,357 | 5.03% |
| Safford, AZ (FHA|USDA|VA) | 49 | $7,395,000 | $150,918 | $6,078 | 5.19% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 31 | $6,875,000 | $221,774 | $4,531 | 4.87% |
| ROCHESTER, MN (FHA|USDA|VA) | 34 | $6,760,000 | $198,824 | $6,168 | 4.89% |
| Owatonna, MN (FHA|USDA|VA) | 41 | $6,265,000 | $152,805 | $4,727 | 4.89% |
| MADERA, CA (FHA|USDA|VA) | 27 | $6,045,000 | $223,889 | $6,891 | 4.99% |
| Ellensburg, WA (FHA|USDA|VA) | 19 | $5,995,000 | $315,526 | $7,275 | 4.67% |
| VISALIA, CA (FHA|USDA|VA) | 20 | $5,680,000 | $284,000 | $7,576 | 4.96% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 24 | $5,240,000 | $218,333 | $5,753 | 4.87% |
| PROVO-OREM, UT (FHA|USDA|VA) | 17 | $5,135,000 | $302,059 | $6,663 | 4.82% |
| BRUNSWICK, GA (FHA|USDA|VA) | 20 | $5,020,000 | $251,000 | $6,794 | 4.90% |
| TUCSON, AZ (FHA|USDA|VA) | 28 | $4,940,000 | $176,429 | $5,255 | 5.11% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 30 | $4,810,000 | $160,333 | $4,755 | 5.00% |
| Shelton, WA (FHA|USDA|VA) | 19 | $4,775,000 | $251,316 | $6,272 | 4.93% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 20 | $4,350,000 | $217,500 | $5,053 | 5.20% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 8 | $4,290,000 | $536,250 | $7,271 | 4.97% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 15 | $4,255,000 | $283,667 | $5,798 | 4.84% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 19 | $4,235,000 | $222,895 | $5,373 | 5.03% |
| GREELEY, CO (FHA|USDA|VA) | 14 | $4,100,000 | $292,857 | $5,916 | 4.99% |
| MERCED, CA (FHA|USDA|VA) | 15 | $4,045,000 | $269,667 | $7,166 | 4.72% |
| Breckenridge, CO (FHA|USDA|VA) | 13 | $3,945,000 | $303,462 | $4,419 | 4.90% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $3,585,000 | $239,000 | $4,285 | 4.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $3,465,000 | $495,000 | $8,109 | 4.53% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 26 | $3,440,000 | $132,308 | $4,563 | 4.95% |
| Cedar City, UT (FHA|USDA|VA) | 17 | $3,435,000 | $202,059 | $6,849 | 5.08% |
| ST. CLOUD, MN (FHA|USDA|VA) | 19 | $3,185,000 | $167,632 | $5,667 | 4.74% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $3,105,000 | $282,273 | $7,932 | 5.24% |
| Oak Harbor, WA (FHA|USDA|VA) | 9 | $2,965,000 | $329,444 | $9,357 | 4.68% |
| Clearlake, CA (FHA|USDA|VA) | 10 | $2,920,000 | $292,000 | $8,074 | 4.71% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $2,735,000 | $248,636 | $9,186 | 5.16% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 13 | $2,675,000 | $205,769 | $4,511 | 5.18% |
| BELLINGHAM, WA (FHA|USDA|VA) | 9 | $2,605,000 | $289,444 | $8,605 | 5.13% |
| MORRISTOWN, TN (FHA|USDA|VA) | 14 | $2,470,000 | $176,429 | $5,776 | 4.87% |
| Aberdeen, WA (FHA|USDA|VA) | 11 | $2,435,000 | $221,364 | $5,834 | 4.92% |
| Pahrump, NV (FHA|USDA|VA) | 15 | $2,425,000 | $161,667 | $6,274 | 5.01% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 12 | $2,420,000 | $201,667 | $5,665 | 4.79% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 9 | $2,395,000 | $266,111 | $6,148 | 5.12% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $2,260,000 | $1,130,000 | $18,159 | 5.19% |
| Ukiah, CA (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $5,556 | 5.00% |
| Centralia, WA (FHA|USDA|VA) | 9 | $2,205,000 | $245,000 | $7,010 | 5.11% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 11 | $2,085,000 | $189,545 | $3,893 | 4.97% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,965,000 | $393,000 | $8,551 | 5.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $6,002 | 5.11% |
| GAINESVILLE, GA (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $7,348 | 4.78% |
| LONGVIEW, WA (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $8,001 | 4.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $5,135 | 5.11% |
| Show Low, AZ (FHA|USDA|VA) | 10 | $1,760,000 | $176,000 | $4,475 | 5.10% |
| Craig, CO (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $3,854 | 4.72% |
| Fort Morgan, CO (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $4,861 | 5.01% |
| PUEBLO, CO (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $5,509 | 4.90% |
| Red Wing, MN (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $5,197 | 4.94% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $6,217 | 5.23% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $4,175 | 4.77% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $6,158 | 5.02% |
| YUBA CITY, CA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $6,171 | 4.70% |
| Port Angeles, WA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $5,993 | 4.72% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $7,176 | 5.02% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $9,526 | 4.62% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $4,588 | 5.18% |
| Brainerd, MN (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $4,174 | 4.89% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $2,474 | 4.98% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $6,070 | 4.92% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,551 | 4.69% |
| ROCKFORD, IL (FHA|USDA|VA) | 8 | $1,180,000 | $147,500 | $3,129 | 4.48% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $6,444 | 5.37% |
| DULUTH, MN-WI (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $5,236 | 4.75% |
| Moses Lake, WA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $5,862 | 4.95% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $10,558 | 5.56% |
| Hutchinson, MN (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $5,145 | 5.15% |
| Heber, UT (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,578 | 4.95% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $6,411 | 4.95% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,086 | 4.96% |
| MANKATO, MN (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,210 | 5.09% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,791 | 4.69% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $6,275 | 5.02% |
| CHICO, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,737 | 5.29% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,656 | 4.83% |
| Price, UT (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $5,415 | 5.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $4,387 | 5.06% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,304 | 4.63% |
| Sheridan, WY (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,233 | 4.33% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,637 | 5.38% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,898 | 5.08% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,456 | 4.81% |
| Calhoun, GA (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $6,586 | 5.25% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,910 | 5.43% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,875 | 4.79% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,390 | 4.84% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,284 | 4.75% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $8,071 | 5.04% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $7,638 | 4.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $6,847 | 4.33% |
| BEND, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,062 | 5.31% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,469 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,481 | 5.16% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,312 | 5.08% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,513 | 5.08% |
| Menomonie, WI (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,529 | 5.00% |
| ROME, GA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,327 | 4.58% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,123 | 4.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,285 | 5.38% |
| Key West, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $13,153 | 4.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,491 | 5.38% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,534 | 4.96% |
| Rochelle, IL (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $4,999 | 5.00% |
| Astoria, OR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,810 | 4.87% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,817 | 5.08% |
| Vernal, UT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,388 | 4.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,350 | 5.19% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $10,808 | 4.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,276 | 4.99% |
| RACINE, WI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,568 | 4.67% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $10,869 | 5.21% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,453 | 4.99% |
| Summerville, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,309 | 5.18% |
| Austin, MN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,979 | 5.00% |
| Evanston, WY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,217 | 4.63% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,167 | 5.19% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,785 | 4.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $21,484 | 5.50% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,499 | 5.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,030 | 5.38% |
| CASPER, WY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,968 | 4.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,438 | 4.63% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,102 | 5.37% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,473 | 4.38% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,073 | 4.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,523 | 4.56% |
| Newport, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,981 | 4.99% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,091 | 4.88% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,087 | 4.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,821 | 4.58% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,642 | 4.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,931 | 5.88% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,494 | 4.56% |
| Sonora, CA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,883 | 4.88% |
| Athens, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,271 | 5.18% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,459 | 4.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,232 | 5.00% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,142 | 4.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,748 | 4.50% |
| Fernley, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,739 | 5.38% |
| Laramie, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,743 | 4.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,069 | 4.99% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,790 | 4.99% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,139 | 4.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,987 | 4.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,037 | 4.63% |
| Alamogordo, NM (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 5.56% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,869 | 4.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,609 | 5.50% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,216 | 5.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,341 | 5.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.38% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,961 | 4.25% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,367 | 4.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,877 | 4.99% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,548 | 5.38% |
| FLINT, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,907 | 4.99% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,939 | 5.38% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,344 | 4.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,072 | 4.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,004 | 5.25% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,830 | 4.88% |
| Riverton, WY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,848 | 4.88% |
| Willmar, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,302 | 5.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,637 | 4.99% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,918 | 4.99% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,579 | 4.99% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,176 | 4.75% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,529 | 5.25% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,793 | 3.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,579 | 5.25% |
| Tifton, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,423 | 4.99% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,516 | 5.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,631 | 5.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,871 | 4.88% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,614 | 5.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,973 | 4.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,496 | 5.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,073 | 4.99% |
| Branson, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,348 | 4.99% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,343 | 5.13% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,266 | 4.63% |
| Hilo, HI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,625 | 4.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,198 | 5.25% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,471 | 5.13% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,955 | 4.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,274 | 4.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,893 | 5.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,245 | 4.75% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,225 | 5.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,836 | 5.25% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,149 | 4.99% |
| Shawano, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,853 | 4.88% |
| Gallup, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,750 | 5.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,257 | 5.25% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,208 | 5.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,991 | 5.38% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,678 | 4.63% |
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Product Mix
For 2018, Bay Equity's most frequently originated type of loan was Conventional, with 8,251 originations. Their 2nd most popular type was FHA, with 3,033 originations.
Loan Reason
For 2018, Bay Equity's most frequently cited loan purpose was Home Purchase, with 10,180 originations. The 2nd most popular reason was Cash Out Refi, with 1,638 originations.
Loan Duration/Length
For 2018, Bay Equity's most frequently cited loan duration was 30 Year, with 12,094 originations. The 2nd most popular length was 15 Year, with 311 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $6,424, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,924 originations.
Interest Rates
During 2018, Bay Equity's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 7,989 originations.
Loan Sizing
2018 saw Bay Equity place emphasis on $200k-400k loans with 6,021 originations, totaling $1,677,495,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $50k-75k range, with 3,474 originations. The second most popular income band? $100k-150k, with 2,481 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 30-36%, with 1,853 originations. The next most common DTI ratio? 20-30%, with 1,459 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.99%
Bay Equity has an average approval rate.
Pick Rate
Approvals leading to origination82.99%
Bay Equity has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,614 | $3,570,580,000 | $283,065 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 308 | $58,110,000 | $188,669 |
| Single Family (1-4 Units):Site-Built | 12,306 | $3,512,470,000 | $285,427 |