CFPB · Single-product concentration
Bay Equity LLC
44 CFPB complaints · 86.4% in "Mortgage" · top issue Closing on a mortgage.
Bay Equity LLC: 86.4% of 44 CFPB complaints sit in "Mortgage". Timely 100% · relief 18.2%. Allegations, not findings.
- Single-product concentration
- +300% filings 2012 to 2025
CFPB relief outcome brief
CCDB company bay-equity-llc
18.2% relief · 100% timely · 44 filings · Mortgage
Same-product relief peers
Nearest relief peer: Academy Mortgage Corporation (18.2% relief)
Bay Equity LLC closes 18.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bay Equity LLC's 44 filings include narrative text
61.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bay Equity LLC complaint mix by product
- Mortgage 38 86.4% – 18% relief
- Credit reporting 3 6.8% – 0% relief
- Credit reporting, 2 4.5% – 0% relief
- Credit reporting 1 2.3% – 100% relief
How Bay Equity LLC's 44 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 38 |
| Credit reporting or other personal consumer reports | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Credit reporting | 1 |
Where Bay Equity LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 20.5% of this company's filings
Bay Equity LLC rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 4
- +300% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 9 |
| GA | 5 |
| TX | 5 |
| WA | 5 |
| AZ | 4 |
| MN | 2 |
| FL | 2 |
| CT | 2 |
| IL | 2 |
| KY | 1 |
| MA | 1 |
| VA | 1 |
| DE | 1 |
| CO | 1 |
| NV | 1 |
| NM | 1 |
| MT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Closing on a mortgage | 11 |
| Applying for a mortgage or refinancing an existing mortgage | 9 |
| Trouble during payment process | 6 |
| Credit decision / Underwriting | 4 |
| Incorrect information on your report | 3 |
| Application, originator, mortgage broker | 3 |
| Loan servicing, payments, escrow account | 2 |
| Improper use of your report | 2 |
| Improper use of my credit report | 1 |
| Settlement process and costs | 1 |
| Loan modification,collection,foreclosure | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2013 | 1 | 100% |
| 2015 | 4 | 100% |
| 2016 | 6 | 100% |
| 2017 | 1 | 100% |
| 2018 | 3 | 100% |
| 2019 | 2 | 100% |
| 2020 | 5 | 100% |
| 2021 | 5 | 100% |
| 2022 | 5 | 100% |
| 2023 | 3 | 100% |
| 2024 | 4 | 100% |
| 2025 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Bay Equity LLC filings cluster in one product
Bay Equity LLC's 44 logged complaints stay concentrated: only 17 states show a filing. 61.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2025-09-07.
Bay Equity LLC answers 100% of complaints inside the CFPB's tracked window and closes 81.8% with a written explanation. 18.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Closing on a mortgage."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bay Equity LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bay Equity LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 44.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bay Equity LLC (100% timely; 18.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration