Lender in Maryland · HMDA 2025
Bay Capital Mortgage Corporation mortgages in Maryland
Bay Capital Mortgage Corporation's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Bay Capital Mortgage Corporation originated 568 owner-occupied single-family loans in Maryland from 620 completed applications.
Its median conventional purchase loan costs were $6,930 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
568
of 620 applications
Denial rate
8.9%
Purchase · MD 8.6%
Rate spread
+0.13 pts
Conv. · MD +0.14 pts
Loan amount
$365,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 548 | 498 | 8.9% | 6.625% | +0.13 pts | $6,930 | $365,000 |
| Refinance | 36 | 36 | 0.0% | — | — | — | $405,000 |
| Cash-out refinance | 36 | 34 | 5.6% | 6.625% | +0.28 pts | $5,490 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Bay Capital Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Talbot County | 1 | 39 | 8.5% |
| Caroline County | 6 | 15 | 3.3% |
| Dorchester County | 7 | 15 | 3.0% |
| Calvert County | 10 | 45 | 2.8% |
| Wicomico County | 11 | 26 | 2.0% |
| Somerset County | 11 | 5 | 2.3% |
| Anne Arundel County | 13 | 137 | 1.6% |
| Queen Anne's County | 14 | 14 | 1.4% |
| St. Mary's County | 16 | 32 | 1.8% |
| Worcester County | 16 | 12 | 1.5% |
| Kent County | 17 | 3 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology