BAY CITY Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bay City averaged 6.96% for the week of 2025-05-08, compared to the national average of 6.76% for the same period.

The average rate for the prior week (2025-05-01) was 6.76% and one month ago for the week of 2025-04-03, the average rate was 6.94%.

Bay City's average rate one year ago was 7.22%.

For refis of the same type during the week of 2025-05-08, the average rate was 7.36%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-05-08 6.76%
Bay City 30 Year Fixed Rate 2025-05-08 6.96%
Bay City 30 Year Fixed Rate Refi 2025-05-08 7.36%
Bay City 15 Year Fixed Rate 2025-05-08 5.69%
Bay City 15 Year Fixed Rate Refi 2025-05-08 6.19%
Bay City 30 Year FHA 2025-05-08 6.5%
Bay City 30 Year FHA Refi 2025-05-08 6.48%
Bay City 30 Year USDA 2025-05-08 6.27%
Bay City 30 Year USDA Refi 2025-05-08 6.27%
Bay City 30 Year VA 2025-05-08 6.37%
Bay City 30 Year VA Refi 2025-05-08 6.27%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BAY CITY, MI.

BAY CITY Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BAY CITY, MI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
STAUNTON FINANCIAL, INC. 90 6.78% $4,359
QUICKEN LOANS, LLC 65 6.79% $4,805
UNITED WHOLESALE MORTGAGE, LLC 57 6.90% $4,691
DAS Acquisition Company, LLC 43 6.69% $3,892
Frankenmuth Credit Union 38 6.71% $2,602
The Huntington National Bank 32 6.98% $3,374
Independent Bank 31 6.71% $2,598
FIRST COMMUNITY MORTGAGE, INC. 27 6.82% $3,943
DOW CHEMICAL EMPLOYEES' 25 7.03% $3,406
FINANCIAL PLUS CREDIT UNION 15 6.56% $2,924
FinancialEdge Community Credit Union 15 6.72% $2,299
JOLT CREDIT UNION 14 6.29% $3,959
Mercantile Bank of Michigan 13 6.71% $3,393
JPMorgan Chase Bank 12 7.19% $4,042
LAKE MICHIGAN CREDIT UNION 12 6.44% $3,390
SUNRISE FAMILY CREDIT UNION 10 6.57% $2,952
TOP FLITE FINANCIAL, INC. 10 6.72% $5,744
BLG HOLDINGS, INC. 8 6.98% $5,002
Isabella Bank 7 6.05% $2,642
The Dart Bank 7 7.09% $3,275
Fifth Third Bank 6 6.91% $2,861
Preston Home Loans Inc 6 6.67% $4,842
GENEVA FINANCIAL, LLC 5 6.95% $4,560
GUILD MORTGAGE COMPANY 5 6.85% $4,927
HEALTH ADVANTAGE FEDERAL CREDIT UNION 5 6.40% $2,737
MORTGAGE 1 INCORPORATED 5 6.77% $5,142
J. VIRGIL, INC. 5 7.10% $3,702
PNC Bank 4 6.53% $3,152
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.50% $4,454
BROKER SOLUTIONS, INC. 4 7.00% $4,515
CROSSCOUNTRY MORTGAGE, LLC 4 6.61% $4,416
MICHIGAN MUTUAL, INC. 4 6.84% $4,554
Servion, Inc. 4 7.25% $2,816
GENISYS 4 6.38% $3,252
CHURCHILL MORTGAGE CORPORATION 3 7.00% $4,843
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 3 6.75% $3,116
NEWREZ LLC 3 6.50% $6,534
MEMBERS FIRST Credit Union 2 6.50% $2,864
Citibank 2 6.19% $5,339
RBC Bank, (Georgia) 2 5.88% $1,477
ROSS MORTGAGE CORPORATION 2 7.00% $3,392
ROYAL UNITED MORTGAGE LLC 2 6.75% $5,187
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.94% $4,005
COMMUNITY FINANCIAL CREDIT UNION 2 6.44% $3,030
Mr. Cooper ( Nationstar Mortgage ) 2 6.56% $6,553
GUARANTEED RATE, INC. 2 6.71% $3,953
The State Bank 2 6.69% $2,550
UNION HOME MORTGAGE CORP. 2 6.81% $3,060
UNITED FINANCIAL Credit Union 2 6.44% $3,042
GVC MORTGAGE, INC. 2 7.13% $6,078
ZILLOW HOME LOANS, LLC 2 7.13% $3,477
Carrington Mortgage Services, LLC 2 8.12% $8,695
Cornerstone First Mortgage, Inc 2 6.75% $4,522
CREDIT UNION ONE 2 6.56% $3,740
Dort Financial Credit Union 2 6.00% $3,411
First State Bank 2 7.19% $2,897
SUCCESS MORTGAGE PARTNERS, INC. 1 6.38% $4,227
AMERICAN FINANCING CORPORATION 1 7.50% $4,862
American Mortgage & Equity Consultants, Inc. 1 6.49% $4,637
AmeriHome Mortgage Company, LLC 1 6.50% $3,911
AMERISAVE MORTGAGE CORPORATION 1 7.13% $6,537
Beeline Loans, Inc. 1 8.13% $4,725
BETTER MORTGAGE CORPORATION 1 6.63% $10,420
BM Real Estate Services, Inc. 1 8.13% $4,914
CALCON MUTUAL MORTGAGE LLC 1 6.99% $4,475
ChoiceOne Bank 1 7.63% $6,833
Citizens Bank 1 5.88% $3,014
Comerica Bank 1 7.63% $2,123
CONSUMERS 1 6.25% $2,647
Discover Bank 1 7.08% $0
EVERETT FINANCIAL, INC. 1 6.63% $4,007
First Federal Savings Bank of Twin Falls 1 5.99% $7,346
First Merchants Bank 1 6.75% $3,739
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.88% $4,027
Great Lakes Federal Credit Union 1 6.38% $2,733
HOMESIDE FINANCIAL, LLC 1 8.63% $6,757
Honor Credit Union 1 6.50% $2,625
Horizon Bank 1 6.95% $3,256
Lake Huron Credit Union 1 6.75% $3,378
LOANDEPOT.COM, LLC 1 7.63% $5,124
MEMBER FIRST MORTGAGE, LLC 1 6.38% $3,816
MICHIGAN SCHOOLS AND GOVERNMENT 1 5.63% $4,298
Morgan Stanley Private Bank 1 6.05% $4,404
Mortgage Assurance Inc. 1 6.50% $5,689
MORTGAGE CENTER L.C 1 6.63% $3,361
MOVEMENT MORTGAGE, LLC 1 7.56% $4,907
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $3,688
NASA Federal Credit Union 1 6.88% $5,718
NBKC BANK 1 6.50% $5,486
NexBank 1 7.13% $2,738
Northpointe Bank 1 6.50% $3,092
PENNYMAC LOAN SERVICES, LLC 1 6.62% $4,856
PLANET HOME LENDING, LLC 1 6.88% $4,003
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $6,373
Providence Bank & Trust 1 6.75% $2,323
RUOFF MORTGAGE COMPANY, INC. 1 6.63% $830
AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $7,862
T2 FINANCIAL LLC 1 7.00% $3,919
Wells Fargo Bank 1 6.75% $4,830
WINGS FINANCIAL 1 6.88% $2,998

BAY CITY Average Closing Costs & Other Stats

BAY CITY, MI's 100 lenders originated 1,964 loans during 2024. The total origination value was $262,600,000, with an average loan value of $133,707.

BAY CITY's average closing costs are $3,725.

The top BAY CITY lender as defined by loan originations is STAUNTON FINANCIAL, INC., with 90 loans originated. Their average total fees are $4,359, which is $447 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee BAY CITY lenders (with over 10 loans originated) are FinancialEdge Community Credit Union ($2,299), Independent Bank ($2,598), Frankenmuth Credit Union ($2,602), FINANCIAL PLUS CREDIT UNION ($2,924) and SUNRISE FAMILY CREDIT UNION ($2,952).

The lowest rate BAY CITY lenders (with over 10 loans originated) are JOLT CREDIT UNION (6.29%), LAKE MICHIGAN CREDIT UNION (6.44%), FINANCIAL PLUS CREDIT UNION (6.56%), SUNRISE FAMILY CREDIT UNION (6.57%) and DAS Acquisition Company, LLC (6.69%).

BAY CITY, MI Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
QUICKEN LOANS, LLC $15,505,000 $22,990,000 48.3% 8.8%
STAUNTON FINANCIAL, INC. $3,405,000 $22,275,000 554.2% 8.5%
UNITED WHOLESALE MORTGAGE, LLC $9,670,000 $18,445,000 90.7% 7.0%
The Huntington National Bank $16,330,000 $14,820,000 -9.2% 5.6%
DAS Acquisition Company, LLC $1,895,000 $11,180,000 490.0% 4.3%
Wildfire Credit Union $8,870,000 $10,775,000 21.5% 4.1%
United Bay Community Credit Union $6,460,000 $10,545,000 63.2% 4.0%
Independent Bank $6,755,000 $10,080,000 49.2% 3.8%
Frankenmuth Credit Union $16,070,000 $9,345,000 -41.8% 3.6%
DOW CHEMICAL EMPLOYEES' $8,350,000 $6,850,000 -18.0% 2.6%
1st State Financial, Ltd. $5,120,000 $6,820,000 33.2% 2.6%
FIRST COMMUNITY MORTGAGE, INC. $4,005,000 $6,225,000 55.4% 2.4%
Merchants Bank of Indiana $6,195,000 n/a 2.4%
Mortgage Research Center, LLC $3,685,000 $5,555,000 50.7% 2.1%
FinancialEdge Community Credit Union $4,085,000 $5,525,000 35.3% 2.1%
JOLT CREDIT UNION $3,480,000 $4,530,000 30.2% 1.7%
LAKE MICHIGAN CREDIT UNION $3,355,000 $4,025,000 20.0% 1.5%
SUNRISE FAMILY CREDIT UNION $3,235,000 $3,410,000 5.4% 1.3%
FINANCIAL PLUS CREDIT UNION $3,235,000 $3,180,000 -1.7% 1.2%
Isabella Bank $3,010,000 $3,165,000 5.1% 1.2%
The Dart Bank $1,070,000 $3,130,000 192.5% 1.2%
Preston Home Loans Inc $1,180,000 $3,060,000 159.3% 1.2%
UNITED FINANCIAL Credit Union $2,175,000 $2,460,000 13.1% 0.9%
Fifth Third Bank $1,205,000 $2,370,000 96.7% 0.9%
BLG HOLDINGS, INC. $925,000 $2,290,000 147.6% 0.9%
Mercantile Bank of Michigan $775,000 $2,210,000 185.2% 0.8%
PNC Bank $8,095,000 $2,100,000 -74.1% 0.8%
JPMorgan Chase Bank $1,380,000 $1,940,000 40.6% 0.7%
TOP FLITE FINANCIAL, INC. $1,105,000 $1,915,000 73.3% 0.7%
CREDIT UNION ONE $760,000 $1,700,000 123.7% 0.6%
Great Lakes Federal Credit Union $1,125,000 $1,620,000 44.0% 0.6%
J. VIRGIL, INC. $2,145,000 $1,520,000 -29.1% 0.6%
TEAM ONE CREDIT UNION $1,605,000 $1,500,000 -6.5% 0.6%
NEWREZ LLC $1,025,000 $1,450,000 41.5% 0.6%
GUILD MORTGAGE COMPANY $145,000 $1,310,000 803.4% 0.5%
FREEDOM MORTGAGE CORPORATION $685,000 $1,280,000 86.9% 0.5%
LOANDEPOT.COM, LLC $1,000,000 $1,250,000 25.0% 0.5%
NEW DAY FINANCIAL, LLC $280,000 $1,120,000 300.0% 0.4%
NAVY FEDERAL CREDIT UNION $1,955,000 $1,075,000 -45.0% 0.4%
21ST MORTGAGE CORPORATION $1,675,000 $1,040,000 -37.9% 0.4%
MORTGAGE 1 INCORPORATED $1,035,000 $1,005,000 -2.9% 0.4%
Horizon Bank $445,000 $990,000 122.5% 0.4%
The State Bank $680,000 $985,000 44.9% 0.4%
MEMBERS FIRST Credit Union $610,000 $880,000 44.3% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $660,000 $855,000 29.5% 0.3%
Morgan Stanley Private Bank $855,000 n/a 0.3%
VELOCITY COMMERCIAL CAPITAL, LLC $95,000 $855,000 800.0% 0.3%
Citizens Bank $305,000 $745,000 144.3% 0.3%
UNION HOME MORTGAGE CORP. $765,000 $740,000 -3.3% 0.3%
MICHIGAN MUTUAL, INC. $3,475,000 $725,000 -79.1% 0.3%
Figure Lending LLC $225,000 $700,000 211.1% 0.3%
GENEVA FINANCIAL, LLC $950,000 $695,000 -26.8% 0.3%
Equity Prime Mortgage LLC $630,000 $675,000 7.1% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $635,000 $675,000 6.3% 0.3%
Carrington Mortgage Services, LLC $670,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $205,000 $650,000 217.1% 0.2%
Thumb Bank and Trust $855,000 $645,000 -24.6% 0.2%
GUARANTEED RATE, INC. $110,000 $640,000 481.8% 0.2%
PENNYMAC LOAN SERVICES, LLC $1,735,000 $635,000 -63.4% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $315,000 $625,000 98.4% 0.2%
BROKER SOLUTIONS, INC. $550,000 $585,000 6.4% 0.2%
Adventure Credit Union $570,000 n/a 0.2%
HEALTH ADVANTAGE FEDERAL CREDIT UNION $85,000 $565,000 564.7% 0.2%
Servion, Inc. $1,860,000 $560,000 -69.9% 0.2%
Lake Huron Credit Union $520,000 $540,000 3.8% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $105,000 $530,000 404.8% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $800,000 $530,000 -33.8% 0.2%
First Federal Savings Bank of Twin Falls $525,000 n/a 0.2%
First Merchants Bank $545,000 $525,000 -3.7% 0.2%
GENISYS $115,000 $505,000 339.1% 0.2%
GreenStone Farm Credit Services, FLCA $520,000 $485,000 -6.7% 0.2%
Citibank $475,000 n/a 0.2%
Dort Financial Credit Union $330,000 $460,000 39.4% 0.2%
CALCON MUTUAL MORTGAGE LLC $450,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $445,000 n/a 0.2%
American Mortgage & Equity Consultants, Inc. $155,000 $415,000 167.7% 0.2%
AMERISAVE MORTGAGE CORPORATION $235,000 $415,000 76.6% 0.2%
ROSS MORTGAGE CORPORATION $55,000 $415,000 654.5% 0.2%
AMERICAN HERITAGE LENDING, INC. $410,000 n/a 0.2%
RBC Bank, (Georgia) $410,000 n/a 0.2%
GVC MORTGAGE, INC. $270,000 $405,000 50.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $400,000 n/a 0.2%
SUN WEST MORTGAGE COMPANY, INC. $380,000 n/a 0.1%
Wells Fargo Bank $585,000 $380,000 -35.0% 0.1%
Discover Bank $575,000 $375,000 -34.8% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $365,000 n/a 0.1%
ChoiceOne Bank $350,000 $365,000 4.3% 0.1%
HOWARD HANNA FINANCIAL SERVICES, INC. $365,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $285,000 $365,000 28.1% 0.1%
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $2,090,000 $350,000 -83.3% 0.1%
USAA Federal Savings Bank $695,000 $350,000 -49.6% 0.1%
Cornerstone First Mortgage, Inc $340,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $325,000 $335,000 3.1% 0.1%
COMMUNITY FINANCIAL CREDIT UNION $95,000 $330,000 247.4% 0.1%
BETTER MORTGAGE CORPORATION $315,000 n/a 0.1%
Mortgage Assurance Inc. $285,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $285,000 n/a 0.1%
CONSUMERS $430,000 $275,000 -36.0% 0.1%
University Bank $275,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $270,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $1,605,000 $260,000 -83.8% 0.1%
CANOPY MORTGAGE, LLC $270,000 $250,000 -7.4% 0.1%
CARDINAL FINANCIAL $1,715,000 $230,000 -86.6% 0.1%
MORTGAGE CENTER L.C $165,000 $230,000 39.4% 0.1%
MICHIGAN SCHOOLS AND GOVERNMENT $530,000 $220,000 -58.5% 0.1%
PLANET HOME LENDING, LLC $215,000 n/a 0.1%
CLEARPATH LENDING $205,000 n/a 0.1%
NASA Federal Credit Union $205,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $100,000 $205,000 105.0% 0.1%
MOVEMENT MORTGAGE, LLC $285,000 $195,000 -31.6% 0.1%
PHH Mortgage Corporation $195,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $115,000 $185,000 60.9% 0.1%
RELIANCE FIRST CAPITAL, LLC $365,000 $185,000 -49.3% 0.1%
RUOFF MORTGAGE COMPANY, INC. $185,000 n/a 0.1%
Comerica Bank $195,000 $180,000 -7.7% 0.1%
First State Bank $380,000 $170,000 -55.3% 0.1%
HOMESIDE FINANCIAL, LLC $75,000 $170,000 126.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $120,000 $165,000 37.5% 0.1%
Merchants Mortgage & Trust Corporation $165,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $165,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $200,000 $160,000 -20.0% 0.1%
NexBank $155,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $95,000 $150,000 57.9% 0.1%
Providence Bank & Trust $145,000 n/a 0.1%
T2 FINANCIAL LLC $145,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $135,000 n/a 0.1%
MARSHALL COMMUNITY CREDIT UNION $135,000 n/a 0.1%
Northpointe Bank $55,000 $135,000 145.5% 0.1%
United Bank of Michigan $135,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $125,000 n/a 0.0%
EVERETT FINANCIAL, INC. $125,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $290,000 $125,000 -56.9% 0.0%
Coastal Community Bank $80,000 $120,000 50.0% 0.0%
Bank of England $115,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $40,000 $100,000 150.0% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $95,000 n/a 0.0%
BM Real Estate Services, Inc. $120,000 $95,000 -20.8% 0.0%
DOMINION FINANCIAL SERVICES, LLC $95,000 n/a 0.0%
SOUTHWEST FUNDING, LP $95,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $95,000 n/a 0.0%
WINGS FINANCIAL $95,000 n/a 0.0%
Honor Credit Union $90,000 n/a 0.0%
SPRING EQ, LLC $35,000 $90,000 157.1% 0.0%
UNIVERSITY OF MICHIGAN CREDIT UNION $85,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $365,000 $75,000 -79.5% 0.0%
AMERICAN FINANCING CORPORATION $55,000 $65,000 18.2% 0.0%
Beeline Loans, Inc. $65,000 n/a 0.0%
Herring Bank $65,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $65,000 n/a 0.0%
NBKC BANK $145,000 $65,000 -55.2% 0.0%
Flagstar Bank, FSB $100,000 $50,000 -50.0% 0.0%
LAKEVIEW LOAN SERVICING, LLC $35,000 n/a 0.0%
THRIVENT Federal Credit Union $35,000 n/a 0.0%
ALLIANT CREDIT UNION $25,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $25,000 n/a 0.0%
GREENSTATE CREDIT UNION $45,000 $25,000 -44.4% 0.0%
The Loan Store, Inc. $25,000 n/a 0.0%
U.S. Bank $75,000 $25,000 -66.7% 0.0%

BAY CITY's top lender by overall market share is QUICKEN LOANS, LLC, with 8.8% market share. In second place, with 8.5%, is STAUNTON FINANCIAL, INC., having originated $22,275,000 in loans. In third place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,445,000 in loans. In fourth place, with 5.6%, is The Huntington National Bank, having originated $14,820,000 in loans. In fifth place, with 4.3%, is DAS Acquisition Company, LLC, having originated $11,180,000 in loans.

BAY CITY, MI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,091 $172,705,000 $158,300
Cash Out Refi 339 $40,275,000 $118,805
Other 188 $12,140,000 $64,574
Home Improvement 186 $10,390,000 $55,860
Refi 160 $27,090,000 $169,313

Bay City's most frequently cited loan purpose was Home Purchase, with 1,091 originations. The 2nd most popular reason was Cash Out Refi, with 339 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 796 $122,510,000 $153,907
7-8% 361 $50,075,000 $138,712
Over 8% 348 $31,670,000 $91,006
5-6% 170 $26,440,000 $155,529
<2.5% 8 $80,000 $10,000
4-5% 8 $1,150,000 $143,750
3-4% 1 $75,000 $75,000

During 2024, Bay City's most frequently originated rate bucket was 6-7%, with 796 originations.

Loan Sizing (BAY CITY, MI MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 840 $48,230,000 $57,417
$100k-200k 812 $116,080,000 $142,956
$200k-400k 277 $74,715,000 $269,729
$400k-600k 30 $13,900,000 $463,333
$600k-1000k 3 $2,475,000 $825,000
$Over $1MM 2 $7,200,000 $3,600,000

BAY CITY's loan sizing saw the bucket of loans from $100,000 or less with 840 originations, totaling $48,230,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 783 $129,815,000 $165,792
60-80% 365 $60,495,000 $165,740
20-40% 208 $12,720,000 $61,154
40-60% 150 $17,760,000 $118,400
Under 20% 150 $4,800,000 $32,000
Over 100% 14 $2,970,000 $212,143

BAY CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 783 originations, totaling $129,815,000 in origination value.