Mortgage company · complaint record
Bay Equity complaints
Filed under Bay Equity LLC
Consumers have filed 45 complaints about Bay Equity since 2012, 1 of them in the last 12 months. It answered 0% on time and closed 18% with relief for the customer. The most common problem is closing on a mortgage.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 45
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 18%
- Last 30 days
- 1
- Rank
- #365 of 595
Since July 2012
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Oct 20, 2026
Most complained-about mortgage lenders & servicers
Bay Equity complaints by month
The busiest month was June 2015 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Bay Equity answered all time
- Closed with monetary relief715.6%
- Closed with non-monetary relief12.2%
- Closed with explanation3680%
- Untimely response12.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Bay Equity complaints are about
Top Bay Equity problems
Inside "Closing on a mortgage"
- Changes in loan terms during or after closing 2
- Delays with the closing process 1
- Fees or costs after closing 1
- Closing disclosure or other related disclosures 1
Where Bay Equity complaints come from
Most complaints: California (9), Georgia (5), Texas (5), Washington (5), Arizona (4).
Bay Equity compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | Bay EquityMortgages | - | 1 | - |
Compare side by side: Bay Equity vs Midwest Loan Services · Bay Equity vs Truhome Solutions · Bay Equity vs NEXA Mortgage · Bay Equity vs Hilltop
What people say about Bay Equity
All experiencesNo experiences with Bay Equity yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Bay Equity complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 20, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | No timely reply |
| Sep 7, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 9, 2025 | Mortgages | Closing on a mortgageDelays with the closing process | Money back |
| Mar 13, 2025 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Mar 8, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Oct 27, 2024 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| May 1, 2024 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
| Feb 10, 2024 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Jan 26, 2024 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Aug 26, 2023 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 22, 2023 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | Explained |
| Apr 22, 2023 | Mortgages | Trouble during payment process | Explained |
Questions about Bay Equity
How many complaints does Bay Equity have?
Bay Equity has 45 complaints on record since July 2012, including 1 in the last 12 months and 1 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Bay Equity respond to complaints?
Yes. Bay Equity answered 0% of its complaints on time (within 15 days) and closed 18% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Bay Equity?
The most common problems are closing on a mortgage (12), applying for a mortgage or refinancing an existing mortgage (9), trouble during payment process (6).
Is Bay Equity legit?
Bay Equity is a real company with a public complaint record: consumers have complained about it 45 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Bay Equity legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Bay Equity?
Complain to Bay Equity in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Bay Equity complaints come from?
Most come from California (9), Georgia (5), Texas (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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