BAY EQUITY LLC

4,443 mortgages originated in 2025 across 20 states, and what they cost borrowers.

Loans originated

4,443

Median rate

6.625%

Median lender fees

$6,155

Median loan amount

$365,000

Median spread over APOR

0.171

Paid discount points

55%

Received lender credits

55.3%

Purchases / refinances

95.9% / 4.1%

Conventional / FHA / VA

76.6% / 15.7% / 7.5%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 99.9% of loans here — see methodology.

Where BAY EQUITY LLC lent

States with at least 50 loans in 2025, ranked by volume.