Lender in Maryland · HMDA 2025
Bay Equity LLC mortgages in Maryland
Bay Equity LLC's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Bay Equity LLC originated 341 owner-occupied single-family loans in Maryland from 364 completed applications.
Its median conventional purchase loan costs were $5,080 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
341
of 364 applications
Denial rate
5.3%
Purchase · MD 8.6%
Rate spread
+0.01 pts
Conv. · MD +0.14 pts
Loan amount
$405,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 358 | 336 | 5.3% | 6.625% | +0.01 pts | $5,080 | $405,000 |
| Refinance | 5 | 4 | — | — | — | — | — |
| Cash-out refinance | 1 | 1 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology