Bay Equity INC NMLS #76988
Key Facts
- Lender or brokerBay Equity INC
- NMLS #76988
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 4,703 applications decided by BAY EQUITY LLC in 2025, 4,443 were originated, 32 were approved but not accepted by the borrower, and 228 were denied.
- Median rate spread0.171 (reported on 4,443 originations)
That is an approval rate of 95.2%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
Evidence read 2026-10-10T21:37:54+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for BAY EQUITY LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Bay Equity INC
Overview
Bay Equity Home Loans is a mortgage company with branch locations in multiple states. The company is based in Corte Madera, California, and operates under the NMLS company record for Bay Equity LLC.
Locations
Bay Equity Home Loans has 203 branch locations. Its branch network includes offices in states across the West, South, Midwest, and Northeast.
Company details and licensing
Bay Equity LLC is a California limited liability company formed on June 12, 2007. It uses trade names that include Bay Equity Home Loans, Covenant Mortgage, and Hometown Lending. Its NMLS company ID is 76988.
Licensing is verifiable through NMLS Consumer Access.
Frequently Asked Questions
What is Bay Equity INC's NMLS number?
Bay Equity INC's NMLS number is 76988. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Bay Equity INC's NMLS ID?
Yes. We checked Bay Equity INC's company name and NMLS ID against the NMLS record on August 7, 2026. They've been in our lender network since March 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Bay Equity INC?
This page has Bay Equity INC's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.