Bay
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Bay 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Bay
3333 Clares Street
Capitola, CA 95076
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,380
Total Mortgage Loan Application Amount $333,317,000
Average Mortgage Loan Application Amount $227,333
Highest Mortgage Loan Application Amount $968,000
Average Applicant Income $84,333
Highest Applicant Income $729,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Bay. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bay's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down Bay's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bay serves its applicants.

Each category highlights the total number of mortgage applications processed by Bay, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bay's mortgage activity for 2012.

Mortgage Loan Application Totals for Bay by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Cruz County California 1,003 $ 249,368,000 $ 248,000 $ 94,000
Monterey County California 46 $ 10,682,000 $ 232,000 $ 76,000
Santa Clara County California 13 $ 2,721,000 $ 209,000 $ 131,000
San Benito County California 10 $ 2,326,000 $ 232,000 $ 105,000
Fresno County California 5 $ 1,136,000 $ 227,000 $ 61,000
Madera County California 4 $ 521,000 $ 130,000 $ 97,000
Nevada County California 4 $ 878,000 $ 219,000 $ 65,000
Amador County California 3 $ 761,000 $ 253,000 $ 72,000
El Dorado County California 3 $ 382,000 $ 127,000 $ 108,000
Mendocino County California 3 $ 255,000 $ 85,000 $ 86,000
Calaveras County California 2 $ 325,000 $ 162,000 $ 134,000
Contra Costa County California 2 $ 369,000 $ 184,000 $ 68,000
Humboldt County California 2 $ 360,000 $ 180,000 $ 53,000
Lake County California 2 $ 113,000 $ 56,000 $ 31,000
Los Angeles County California 2 $ 470,000 $ 235,000 $ 98,000
Riverside County California 2 $ 396,000 $ 198,000 $ 86,000
Sacramento County California 2 $ 476,000 $ 238,000 $ 112,000
San Bernardino County California 2 $ 435,000 $ 217,000 $ 57,000
San Diego County California 2 $ 405,000 $ 202,000 $ 132,000
Tuolumne County California 2 $ 244,000 $ 122,000 $ 104,000
Alameda County California 1 $ 123,000 $ 123,000 $ 79,000
Kern County California 1 $ 131,000 $ 131,000 $ 76,000
Marin County California 1 $ 417,000 $ 417,000 $ 123,000
Merced County California 1 $ 150,000 $ 150,000 $ 99,000
Orange County California 1 $ 288,000 $ 288,000 $ 124,000
Placer County California 1 $ 138,000 $ 138,000 $ 27,000
San Francisco County California 1 $ 626,000 $ 626,000 $ 159,000
San Joaquin County California 1 $ 71,000 $ 71,000 $ 17,000
San Luis Obispo County California 1 $ 241,000 $ 241,000 $ 142,000
Stanislaus County California 1 $ 84,000 $ 84,000 $ 267,000
Tehama County California 1 $ 115,000 $ 115,000 $ 4,000
Trinity County California 1 $ 172,000 $ 172,000 $ 60,000

Mortgage Loan Application Detail Totals for Bay in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 887 $224,593,000 $253,000 $968,000 $96,000 $638,000
Home Purchase 442 $98,093,000 $221,000 $626,000 $78,000 $729,000
Home Improvement 51 $10,631,000 $208,000 $500,000 $79,000 $222,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,078 $265,747,000 $246,000 $968,000 $94,000 $638,000
Hispanic 237 $51,303,000 $216,000 $625,000 $67,000 $222,000
Asian 40 $10,273,000 $256,000 $538,000 $123,000 $729,000
Black or African American 14 $3,441,000 $245,000 $417,000 $81,000 $149,000
Native Hawaiian or Other Pacific Islander 7 $1,573,000 $224,000 $571,000 $70,000 $174,000
American Indian or Alaskan Native 4 $980,000 $245,000 $320,000 $63,000 $90,000
Not applicable 0 $0 $0 $0 $0 $0
Not Provided 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,380 $333,317,000 $241,000 $968,000 $89,000 $729,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 672 $164,419,000 $244,000 $968,000 $96,000 $404,000
Application Denied By Financial Institution 204 $49,588,000 $243,000 $699,000 $71,000 $600,000
Application Withdrawn By Applicant 185 $45,435,000 $245,000 $625,000 $92,000 $638,000
File Closed For Incompleteness 158 $37,322,000 $236,000 $626,000 $90,000 $600,000
Application Approved But Not Accepted 102 $22,365,000 $219,000 $482,000 $90,000 $729,000
Preapproval Denied by Financial Institution 34 $7,975,000 $234,000 $400,000 $58,000 $142,000
Preapproval Approved but not Accepted 25 $6,213,000 $248,000 $550,000 $82,000 $251,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 85 $21,457,000 $252,000 $625,000 $51,000 $267,000
Credit History 72 $17,057,000 $236,000 $699,000 $83,000 $600,000
Collateral 16 $4,681,000 $292,000 $580,000 $112,000 $591,000
Unverifiable Information 4 $1,280,000 $320,000 $401,000 $85,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 3 $805,000 $268,000 $352,000 $71,000 $97,000
Employment History 2 $297,000 $148,000 $155,000 $54,000 $80,000
Mortgage Insurance Denied 1 $257,000 $257,000 $257,000 $59,000 $59,000
Other 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bay's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet with aggregated HMDA statistics today.

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