Bay City
Metropolitan Statistical Area · MSA Code 13020
According to CFPB HMDA 2024 application volume among tracked metros, Bay City ranks #386 of 418.
Mortgage lending activity in the Bay City metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Bay City Metropolitan Statistical Area (MSA code 13020) recorded 3,309 HMDA-reported mortgage applications in 2024. Lenders originated 1,969 of those and denied others at a rate of 15.3%, for an approval (origination) rate of 59.5%. The average loan amount across the MSA was $130,017 at an average note rate of 7.32%. 20 major lenders are tracked for this metro - Rocket Mortgage, Huntington National Bank, Staunton Financial, INC. lead by origination volume. Among the 418 metros tracked, Bay City ranks #141 by denial rate (the 66th percentile for approval-friendliness), and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Bay City denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 15.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $130,017 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Bay City
In Bay City, lead originator Rocket Mortgage funded only 8.2% of 1,969 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 23.4% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Bay City's 15.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Bay City's 3,309 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Bay City's $130,017 average loan (deduped against denial and volume peers).
Lenders active in the Bay City metro
Rocket Mortgage funded 162 of the 1,969 loans originated here, 8.2% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 162 | 218 | $136,193 | 8.2% |
| 2 | Huntington National Bank | 150 | 277 | $93,448 | 7.6% |
| 3 | Staunton Financial, INC. | 149 | 158 | $149,241 | 7.6% |
| 4 | United Bay Community Cu | 119 | 137 | $86,314 | 6.0% |
| 5 | United Wholesale Mortgage | 113 | 140 | $162,071 | 5.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Bay City borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Bay City page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.