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Bay

Credit Union•Capitola, CAHQ•Direct•Reviews near you on Google

Bay has 133 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

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Report Card

Bay performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
126 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
103 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
Refinance
30 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume126
Mix94.7%
Spread
-0.276%Below
Fees
$2,213Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume103
Mix77.4%
Spread
-0.276%Below
Fees
$2,213Credit
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume30
Mix22.6%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
133
Applications
203
Volume
$78 million
Pricing & Closing
Pullthrough Rate
65.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$588,459
Avg Borrower Income
$195,504
Avg Property Value
$1,063,571

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
< 100100+None
West1
CA

Top Metro Areas by Place Specialization Score

1© MARELBU · CC BY 3.0
Santa Cruz, CAMetro
Volume 91Mix 68.42% of portfolio
96/100
Exceptional
2© BrendelSignature at English Wikipedia · CC BY-SA 3.0
Salinas, CAMetro
Volume 17Mix 12.78% of portfolio
63/100
Strong

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 133Mix 100.00% of portfolio
67/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.