PlainLender

Bay Bank

Green Bay, WI

Bay Bank processed 234 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 117 loans with a 14.1% denial rate. Home Purchase was the primary loan purpose. Based in Green Bay, WI. The approval rate of 50.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Bay Bank processed 234 HMDA-reported mortgage applications in 2024, originating 117 loans and denying 33 for a denial rate of 14.1%. The average loan amount was $182,179. The lender reports under LEI 254900ACGDT107SC5E82 from Green Bay, WI.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bay Bank's 50.0% origination rate tells you how often an application turned into funded money; the 14.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (234 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

234
Applications
117
Originated
14.1%
Denial Rate
$182,179
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 234 117 33 $182,179

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Bay Bank (LEI: 254900ACGDT107SC5E82) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 156 59 $217,500
Home Improvement 28 21 $94,643
Cash-out Refinancing 26 20 $146,923
Other 19 13 $72,368
Refinancing 5 4 $171,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
American Indian or Alaska Native 158 44.3% 15.8%
Joint 45 53.3% 11.1%
White 18 94.4% 0.0%
2 or more minority races 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 198 52.0% 11.6%
Hispanic or Latino 13 53.9% 15.4%
Joint 11 27.3% 45.5%

Nearby Lenders in WI

Other HMDA-reporting lenders in WI with similar activity. Compare any two side-by-side.

FAIRWAY INDEPENDENT MORT CORP

MADISON, WI

102,501 apps 74,401 originated 4.7% denied

Summit Credit Union

Cottage Grove, WI

15,990 apps 9,929 originated 10.9% denied

UW CREDIT UNION

MADISON, WI

11,177 apps 8,477 originated 12.3% denied

Associated Bank NA

Green Bay, WI

10,999 apps 6,532 originated 24.4% denied

WATERSTONE MORTGAGE CORPORATION

BROOKFIELD, WI

10,792 apps 7,819 originated 4.5% denied
Compare Bay Bank vs FAIRWAY INDEPENDENT MORT CORP →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Bay Bank process?
Bay Bank processed 234 mortgage applications in the 2023 HMDA reporting year. Of these, 117 were originated (approved and funded), and 33 were denied.
What is Bay Bank's mortgage approval rate?
Bay Bank has an approval (origination) rate of 50.0%, meaning 50.0% of all applications resulted in a funded mortgage. The denial rate is 14.1%.
What is the average loan amount at Bay Bank?
The average mortgage loan amount at Bay Bank is $182,179.
What types of mortgage loans does Bay Bank offer?
Bay Bank processes Conventional loans. The most common type is Conventional with 234 applications and an average loan amount of $182,179.
What loan purposes does Bay Bank serve?
Bay Bank serves the following loan purposes: Home Purchase (156 applications), Home Improvement (28 applications), Cash-out Refinancing (26 applications), Other (19 applications), Refinancing (5 applications). Home Purchase is the most common purpose.
Where is Bay Bank located?
Bay Bank is headquartered in Green Bay, WI. The lender is identified by LEI 254900ACGDT107SC5E82 in HMDA data.
How does Bay Bank compare in lending across racial demographics?
Bay Bank reports demographic lending data under HMDA requirements. American Indian or Alaska Native applicants have an approval rate of 44.3% and denial rate of 15.8%; Joint applicants have an approval rate of 53.3% and denial rate of 11.1%; White applicants have an approval rate of 94.4% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.