Lender in Illinois · HMDA 2025
Bay Equity LLC mortgages in Illinois
Bay Equity LLC's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Bay Equity LLC originated 440 owner-occupied single-family loans in Illinois from 455 completed applications.
Its median conventional purchase loan costs were $6,200 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
440
of 455 applications
Denial rate
2.7%
Purchase · IL 9.2%
Rate spread
+0.27 pts
Conv. · IL +0.27 pts
Loan amount
$305,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 438 | 424 | 2.7% | 6.875% | +0.27 pts | $6,200 | $305,000 |
| Refinance | 8 | 7 | — | — | — | — | — |
| Cash-out refinance | 9 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology