I do see a faint varnish. However, it is faint, many Appy's will roan out at least somewhat, it does not say anything about her color beyond that.
She is bay. She is beginning to varnish (as many do). I don't know what the precise name for the spots would be.
According (to what I can tell) from APHC (is that the right registry? Lol) she would simply be registered as roan.. Since she does not have blanket and is not solid.
I would say she is snowflake (spots over body) with either marbling or frosting. I've never been able to figure out what the term is for spots darker than the base color.