Bay Capital Mortgage Corporation: 2025 mortgage rates, costs & approvals
How Bay Capital Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: BAY CAPITAL MORTGAGE CORPORATION · LEI 549300LT75BG7Z054795
In 2025, Bay Capital Mortgage Corporation originated 688 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 11 states — 604th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $6,830, 23% higher than the national median ($5,570).
It denied 8.3% of completed home-purchase applications (all lenders: 8.5%).
How Bay Capital Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | Bay Capital Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.12 pts | +0.13 pts |
| Total loan costs · conventional | $6,830 | $5,570 |
| Total loan costs · FHA | $11,770 | $11,310 |
| Total loan costs · VA | $10,840 | $6,490 |
| Origination charges (all types) | $2,840 | $1,860 |
| Borrowers paying discount points | 62.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 30.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Bay Capital Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Bay Capital Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Maryland | 568 | 620 | 8.9% | 6.625% | $6,930 |
| Pennsylvania | 61 | 64 | 5.6% | 6.625% | $5,640 |
| Florida | 25 | 25 | 0.0% | — | — |
| Virginia | 13 | 14 | — | — | — |
| Delaware | 11 | 12 | — | — | — |
| North Carolina | 3 | 3 | — | — | — |
| District of Columbia | 2 | 3 | — | — | — |
| West Virginia | 2 | 2 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Bay Capital Mortgage Corporation's page for that state.
Counties where Bay Capital Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Talbot County, MD | 1 | 39 | 8.5% |
| Caroline County, MD | 6 | 15 | 3.3% |
| Dorchester County, MD | 7 | 15 | 3.0% |
| Calvert County, MD | 10 | 45 | 2.8% |
| Adams County, PA | 7 | 36 | 2.6% |
| Somerset County, MD | 11 | 5 | 2.3% |
| Wicomico County, MD | 11 | 26 | 2.0% |
| St. Mary's County, MD | 16 | 32 | 1.8% |
| Anne Arundel County, MD | 13 | 137 | 1.6% |
| Worcester County, MD | 16 | 12 | 1.5% |
| Queen Anne's County, MD | 14 | 14 | 1.4% |
| Kent County, MD | 17 | 3 | 1.3% |
Check Bay Capital Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300LT75BG7Z054795.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Bay Capital Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology