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 and Refi 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, San Diego, Phoenix, Minneapolis, and Grand Junction among others. We have data for 304 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% | 12/17/24 |
| 30 Year Conventional Refi | 6.55% | 12/17/24 |
| 30 Year Cash-out Refi | 6.78% | 12/17/24 |
| 30 Year FHA Purchase | 7.49% | 12/17/24 |
| 30 Year FHA Refi | 7.02% | 12/17/24 |
| 30 Year VA Purchase | 6.27% | 12/17/24 |
| 30 Year VA Refi | 6.19% | 12/17/24 |
| 30 Year USDA Purchase | 6.74% | 12/17/24 |
| 30 Year USDA Refi | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 6.02% | 12/17/24 |
| 15 Year Conventional Refi | 6.10% | 12/17/24 |
| 15 Year Cash-out Refi | 6.10% | 12/17/24 |
| 15 Year FHA Purchase | 5.68% | 12/17/24 |
| 15 Year FHA Refi | 7.10% | 12/17/24 |
| 15 Year VA Refi | 5.92% | 12/17/24 |
| 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
16,845Origination Dollar Volume (All Markets)
$4,969,555,000Awards
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BAY EQUITY - 2019
BAY EQUITY is a 2019 , due to their low .
For 2019, 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) | 1,418 | $532,680,000 | $375,656 | $7,810 | 4.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 694 | $334,360,000 | $481,787 | $7,243 | 4.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,213 | $322,605,000 | $265,956 | $5,641 | 4.46% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1,323 | $319,775,000 | $241,704 | $5,141 | 4.24% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1,130 | $276,090,000 | $244,327 | $4,684 | 4.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 435 | $222,245,000 | $510,908 | $8,463 | 4.30% |
| Glenwood Springs, CO (FHA|USDA|VA) | 663 | $222,085,000 | $334,970 | $4,651 | 4.27% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 363 | $209,665,000 | $577,590 | $6,706 | 4.29% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 743 | $201,235,000 | $270,841 | $6,466 | 4.47% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 820 | $171,520,000 | $209,171 | $5,951 | 4.28% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 355 | $129,515,000 | $364,831 | $4,539 | 4.24% |
| Kalispell, MT (FHA|USDA|VA) | 410 | $114,950,000 | $280,366 | $5,323 | 4.19% |
| Outside of Metro Areas | 436 | $109,130,000 | $250,298 | $5,470 | 4.33% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 332 | $99,030,000 | $298,283 | $5,107 | 4.11% |
| FRESNO, CA (FHA|USDA|VA) | 278 | $84,900,000 | $305,396 | $7,024 | 4.65% |
| ST. GEORGE, UT (FHA|USDA|VA) | 290 | $74,000,000 | $255,172 | $6,283 | 4.36% |
| Gillette, WY (FHA|USDA|VA) | 278 | $60,210,000 | $216,583 | $6,561 | 4.06% |
| Steamboat Springs, CO (FHA|USDA|VA) | 182 | $60,150,000 | $330,495 | $4,445 | 4.20% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 237 | $56,045,000 | $236,477 | $5,034 | 3.76% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 137 | $50,575,000 | $369,161 | $7,356 | 4.32% |
| RENO, NV (FHA|USDA|VA) | 145 | $48,475,000 | $334,310 | $7,196 | 4.11% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 65 | $47,845,000 | $736,077 | $8,160 | 4.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 208 | $47,100,000 | $226,442 | $5,853 | 4.49% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 220 | $45,160,000 | $205,273 | $4,147 | 4.32% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 120 | $40,350,000 | $336,250 | $6,569 | 3.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 122 | $34,960,000 | $286,557 | $7,536 | 4.48% |
| COLUMBIA, SC (FHA|USDA|VA) | 200 | $34,060,000 | $170,300 | $4,941 | 4.41% |
| Edwards, CO (FHA|USDA|VA) | 80 | $34,000,000 | $425,000 | $4,648 | 4.36% |
| STOCKTON, CA (FHA|USDA|VA) | 110 | $33,640,000 | $305,818 | $7,530 | 4.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 106 | $29,680,000 | $280,000 | $4,441 | 4.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 111 | $29,415,000 | $265,000 | $7,172 | 4.55% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 134 | $28,900,000 | $215,672 | $7,586 | 4.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 128 | $26,930,000 | $210,391 | $5,079 | 4.56% |
| TUCSON, AZ (FHA|USDA|VA) | 119 | $25,105,000 | $210,966 | $5,195 | 4.43% |
| Montrose, CO (FHA|USDA|VA) | 103 | $24,605,000 | $238,883 | $4,288 | 4.43% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 134 | $24,440,000 | $182,388 | $6,336 | 4.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 118 | $23,220,000 | $196,780 | $6,742 | 4.65% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 58 | $22,270,000 | $383,966 | $6,693 | 4.33% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 71 | $20,975,000 | $295,423 | $7,443 | 4.45% |
| MONTGOMERY, AL (FHA|USDA|VA) | 115 | $20,715,000 | $180,130 | $4,728 | 4.37% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 64 | $20,530,000 | $320,781 | $7,294 | 4.11% |
| WENATCHEE, WA (FHA|USDA|VA) | 66 | $18,680,000 | $283,030 | $9,328 | 4.46% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 87 | $18,365,000 | $211,092 | $6,272 | 4.77% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 80 | $17,820,000 | $222,750 | $4,880 | 4.42% |
| BOISE CITY, ID (FHA|USDA|VA) | 56 | $17,420,000 | $311,071 | $5,429 | 4.44% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 32 | $17,340,000 | $541,875 | $8,464 | 4.18% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 62 | $16,890,000 | $272,419 | $5,491 | 3.91% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 48 | $16,360,000 | $340,833 | $7,281 | 4.20% |
| LOUISVILLE, KY (FHA|USDA|VA) | 89 | $15,905,000 | $178,708 | $3,392 | 4.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 54 | $15,110,000 | $279,815 | $5,854 | 4.39% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 24 | $14,500,000 | $604,167 | $6,182 | 3.98% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 44 | $13,420,000 | $305,000 | $7,901 | 4.28% |
| Safford, AZ (FHA|USDA|VA) | 73 | $12,275,000 | $168,151 | $7,042 | 4.62% |
| BRUNSWICK, GA (FHA|USDA|VA) | 59 | $12,205,000 | $206,864 | $6,104 | 4.56% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 44 | $12,070,000 | $274,318 | $8,541 | 4.49% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 51 | $11,835,000 | $232,059 | $5,960 | 4.59% |
| Sevierville, TN (FHA|USDA|VA) | 58 | $11,270,000 | $194,310 | $5,365 | 4.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 49 | $11,235,000 | $229,286 | $4,260 | 4.22% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 21 | $11,035,000 | $525,476 | $6,832 | 4.33% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 45 | $10,315,000 | $229,222 | $5,671 | 3.77% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 50 | $10,280,000 | $205,600 | $7,061 | 4.72% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 43 | $9,985,000 | $232,209 | $6,604 | 4.62% |
| Ellensburg, WA (FHA|USDA|VA) | 27 | $9,625,000 | $356,481 | $8,351 | 4.29% |
| MODESTO, CA (FHA|USDA|VA) | 36 | $9,610,000 | $266,944 | $6,556 | 4.60% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 42 | $9,540,000 | $227,143 | $5,792 | 3.84% |
| GREELEY, CO (FHA|USDA|VA) | 28 | $9,460,000 | $337,857 | $5,630 | 4.24% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 45 | $9,435,000 | $209,667 | $6,640 | 4.42% |
| ROCHESTER, MN (FHA|USDA|VA) | 46 | $9,070,000 | $197,174 | $5,087 | 4.41% |
| Payson, AZ (FHA|USDA|VA) | 45 | $9,055,000 | $201,222 | $5,273 | 4.44% |
| SALINAS, CA (FHA|USDA|VA) | 13 | $8,615,000 | $662,692 | $8,600 | 4.22% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 16 | $8,340,000 | $521,250 | $7,449 | 4.52% |
| VALLEJO, CA (FHA|USDA|VA) | 20 | $7,950,000 | $397,500 | $5,967 | 4.39% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 36 | $6,630,000 | $184,167 | $7,074 | 4.55% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $6,515,000 | $723,889 | $5,191 | 3.89% |
| KNOXVILLE, TN (FHA|USDA|VA) | 39 | $6,435,000 | $165,000 | $6,066 | 4.23% |
| PROVO-OREM, UT (FHA|USDA|VA) | 18 | $5,750,000 | $319,444 | $7,380 | 4.20% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 12 | $5,640,000 | $470,000 | $8,974 | 4.59% |
| MADERA, CA (FHA|USDA|VA) | 20 | $5,280,000 | $264,000 | $6,253 | 4.59% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $5,090,000 | $636,250 | $10,070 | 4.36% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 16 | $4,930,000 | $308,125 | $5,643 | 4.15% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 18 | $4,740,000 | $263,333 | $6,049 | 4.48% |
| ST. CLOUD, MN (FHA|USDA|VA) | 30 | $4,580,000 | $152,667 | $4,594 | 4.39% |
| BELLINGHAM, WA (FHA|USDA|VA) | 18 | $4,570,000 | $253,889 | $6,636 | 4.67% |
| Cedar City, UT (FHA|USDA|VA) | 19 | $4,425,000 | $232,895 | $7,383 | 4.33% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 13 | $4,405,000 | $338,846 | $10,723 | 3.86% |
| Shelton, WA (FHA|USDA|VA) | 16 | $4,330,000 | $270,625 | $5,698 | 4.08% |
| Owatonna, MN (FHA|USDA|VA) | 25 | $4,275,000 | $171,000 | $3,865 | 4.31% |
| FORT COLLINS, CO (FHA|USDA|VA) | 12 | $4,160,000 | $346,667 | $4,045 | 4.03% |
| Oak Harbor, WA (FHA|USDA|VA) | 11 | $3,925,000 | $356,818 | $8,493 | 4.27% |
| Breckenridge, CO (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $3,322 | 4.56% |
| Centralia, WA (FHA|USDA|VA) | 15 | $3,865,000 | $257,667 | $7,658 | 4.69% |
| BOULDER, CO (FHA|USDA|VA) | 8 | $3,760,000 | $470,000 | $4,053 | 4.40% |
| Craig, CO (FHA|USDA|VA) | 19 | $3,715,000 | $195,526 | $4,160 | 4.22% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 11 | $3,445,000 | $313,182 | $4,506 | 4.17% |
| SALEM, OR (FHA|USDA|VA) | 11 | $3,445,000 | $313,182 | $6,054 | 4.12% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 14 | $3,400,000 | $242,857 | $6,415 | 4.26% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $3,310,000 | $236,429 | $4,575 | 4.58% |
| MORRISTOWN, TN (FHA|USDA|VA) | 20 | $3,310,000 | $165,500 | $5,805 | 4.41% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 15 | $3,235,000 | $215,667 | $6,082 | 4.70% |
| MERCED, CA (FHA|USDA|VA) | 9 | $3,125,000 | $347,222 | $7,520 | 4.94% |
| Brainerd, MN (FHA|USDA|VA) | 16 | $2,950,000 | $184,375 | $4,912 | 4.33% |
| VISALIA, CA (FHA|USDA|VA) | 11 | $2,875,000 | $261,364 | $7,667 | 4.09% |
| Aberdeen, WA (FHA|USDA|VA) | 13 | $2,865,000 | $220,385 | $5,874 | 4.46% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 17 | $2,855,000 | $167,941 | $3,446 | 4.30% |
| Fernley, NV (FHA|USDA|VA) | 12 | $2,810,000 | $234,167 | $7,920 | 4.36% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $2,805,000 | $935,000 | $17,432 | 4.08% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 14 | $2,770,000 | $197,857 | $4,249 | 4.11% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 16 | $2,680,000 | $167,500 | $3,340 | 3.66% |
| PUEBLO, CO (FHA|USDA|VA) | 12 | $2,590,000 | $215,833 | $3,320 | 4.40% |
| SANTA FE, NM (FHA|USDA|VA) | 10 | $2,510,000 | $251,000 | $5,085 | 3.91% |
| DULUTH, MN-WI (FHA|USDA|VA) | 14 | $2,480,000 | $177,143 | $5,936 | 3.91% |
| NAPA, CA (FHA|USDA|VA) | 3 | $2,455,000 | $818,333 | $3,906 | 3.83% |
| Show Low, AZ (FHA|USDA|VA) | 12 | $2,450,000 | $204,167 | $5,109 | 4.29% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,415,000 | $345,000 | $7,632 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 11 | $2,395,000 | $217,727 | $7,967 | 4.40% |
| Hutchinson, MN (FHA|USDA|VA) | 13 | $2,355,000 | $181,154 | $5,138 | 4.09% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 15 | $2,095,000 | $139,667 | $4,380 | 4.71% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $4,963 | 4.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $6,938 | 3.87% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 11 | $1,975,000 | $179,545 | $4,883 | 4.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,935,000 | $387,000 | $8,812 | 4.48% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $6,249 | 4.67% |
| MISSOULA, MT (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $4,878 | 4.30% |
| BEND, OR (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $8,787 | 3.99% |
| Bozeman, MT (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $5,154 | 4.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $8,922 | 4.00% |
| CHEYENNE, WY (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $8,911 | 3.96% |
| Pahrump, NV (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $7,936 | 4.16% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $5,026 | 3.77% |
| Newport, OR (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $5,908 | 4.00% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $5,739 | 5.06% |
| Brevard, NC (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $6,507 | 4.45% |
| LONGVIEW, WA (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $6,839 | 4.10% |
| Fort Morgan, CO (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $5,967 | 4.00% |
| Heber, UT (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $3,911 | 4.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $4,966 | 4.06% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $4,587 | 3.80% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,590 | 3.90% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $2,703 | 4.53% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $6,045 | 4.50% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $9,528 | 4.42% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $5,142 | 4.21% |
| MANKATO, MN (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $7,448 | 4.04% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $4,001 | 4.64% |
| Red Wing, MN (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $4,928 | 4.35% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 7 | $1,135,000 | $162,143 | $3,593 | 4.14% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $4,859 | 4.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $5,073 | 4.00% |
| Bardstown, KY (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $6,856 | 3.93% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $6,258 | 4.41% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $4,307 | 4.25% |
| Sonora, CA (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $3,784 | 4.65% |
| ROME, GA (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $9,858 | 4.79% |
| Albemarle, NC (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $7,014 | 4.69% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $9,022 | 3.69% |
| El Campo, TX (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $7,197 | 4.73% |
| Outside of Metro Areas | 4 | $840,000 | $210,000 | $6,576 | 4.41% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,684 | 3.94% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $13,083 | 4.43% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $15,588 | 3.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,156 | 4.72% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,371 | 4.53% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,363 | 3.88% |
| Durango, CO (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,922 | 3.93% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,765 | 4.71% |
| Shelby, NC (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $5,764 | 4.50% |
| Williston, ND (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,200 | 4.91% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,942 | 4.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,429 | 4.04% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $4,637 | 4.65% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,605 | 4.67% |
| REDDING, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,495 | 4.56% |
| Spearfish, SD (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,428 | 4.08% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,180 | 4.50% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,552 | 4.16% |
| RACINE, WI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,048 | 3.83% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,090 | 4.43% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,832 | 3.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,264 | 4.59% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,284 | 4.67% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,623 | 4.21% |
| Cedartown, GA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $6,543 | 5.19% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,647 | 4.81% |
| Granbury, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,972 | 4.31% |
| SUMTER, SC (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $3,655 | 4.28% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,842 | 3.71% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,803 | 4.44% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,972 | 4.44% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,911 | 4.37% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 5.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,854 | 3.99% |
| CHICO, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,028 | 4.69% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,797 | 4.25% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,036 | 4.38% |
| TULSA, OK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,999 | 3.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,786 | 4.38% |
| Winona, MN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,982 | 4.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,504 | 4.94% |
| Price, UT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,346 | 4.06% |
| Laramie, WY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,941 | 4.25% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,668 | 4.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,768 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,875 | 4.75% |
| Forest City, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,787 | 5.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,180 | 4.38% |
| Torrington, CT (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $4,098 | 3.25% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,658 | 3.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,734 | 4.25% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,006 | 4.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,593 | 4.75% |
| Sheridan, WY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,998 | 4.31% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,308 | 3.99% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,130 | 3.99% |
| Albert Lea, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,794 | 4.13% |
| Austin, MN (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,086 | 4.33% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,445 | 4.25% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,307 | 4.00% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,716 | 4.13% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,500 | 3.99% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,968 | 4.13% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,697 | 3.88% |
| OCALA, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,903 | 5.56% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,058 | 5.44% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,207 | 4.06% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,456 | 4.88% |
| Astoria, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,811 | 4.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,991 | 4.13% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,370 | 3.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,885 | 3.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,545 | 4.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,198 | 3.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,167 | 4.81% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,529 | 5.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,321 | 4.50% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,690 | 4.67% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,608 | 3.99% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,663 | 4.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,944 | 3.99% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,435 | 3.50% |
| Willmar, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,405 | 3.99% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,373 | 4.50% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,621 | 4.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,531 | 5.25% |
| Newport, TN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,960 | 5.13% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,042 | 5.44% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,667 | 4.13% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,064 | 4.13% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,665 | 3.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,424 | 5.25% |
| Elko, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,811 | 4.13% |
| Sterling, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,808 | 4.13% |
| Silver City, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,143 | 3.88% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,507 | 3.50% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,619 | 4.63% |
| Pullman, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,190 | 4.99% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,359 | 3.38% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,718 | 4.63% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,092 | 4.88% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.50% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,532 | 4.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,885 | 5.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,638 | 3.88% |
| Palatka, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,676 | 3.75% |
| Othello, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,131 | 5.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,988 | 4.13% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,180 | 3.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,512 | 4.99% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,444 | 4.13% |
| Newberry, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,790 | 3.25% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,027 | 5.69% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,103 | 3.81% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,541 | 3.50% |
| Fallon, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,610 | 3.99% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,131 | 3.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,459 | 4.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,660 | 4.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,438 | 4.63% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,643 | 4.63% |
| Ada, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,021 | 4.38% |
| Crossville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,544 | 3.75% |
| Atchison, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,745 | 4.63% |
| Dixon, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,138 | 3.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,805 | 5.25% |
| Bay City, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,894 | 4.38% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,204 | 4.13% |
| Waycross, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,057 | 4.99% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,529 | 4.50% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,627 | 4.38% |
| Danville, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,260 | 3.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,500 | 4.88% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,578 | 3.99% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,550 | 3.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,443 | 5.25% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,881 | 4.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,557 | 4.50% |
| Marion, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,614 | 5.13% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $2,169 | 2.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,180 | 4.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,328 | 5.75% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,839 | 4.38% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.63% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
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Product Mix
For 2019, Bay Equity's most frequently originated type of loan was Conventional, with 11,131 originations. Their 2nd most popular type was FHA, with 3,921 originations.
Loan Reason
For 2019, Bay Equity's most frequently cited loan purpose was Home Purchase, with 11,200 originations. The 2nd most popular reason was Refi, with 3,210 originations.
Loan Duration/Length
For 2019, Bay Equity's most frequently cited loan duration was 30 Year, with 15,758 originations. The 2nd most popular length was 15 Year, with 647 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $6,128, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,300 originations.
Interest Rates
During 2019, Bay Equity's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 8,221 originations.
Loan Sizing
2019 saw Bay Equity place emphasis on $200k-400k loans with 8,784 originations, totaling $2,472,750,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $50k-75k range, with 4,303 originations. The second most popular income band? $100k-150k, with 3,543 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 30-36%, with 2,753 originations. The next most common DTI ratio? 20-30%, with 2,541 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.52%
Bay Equity has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination85.92%
Bay Equity has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 16,845 | $4,969,555,000 | $295,017 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 404 | $79,330,000 | $196,361 |
| Single Family (1-4 Units):Site-Built | 16,441 | $4,890,225,000 | $297,441 |