BAY CAPITAL MORTGAGE CORPORATION received 911 applications in 2025 and made
722 mortgages, in 76 counties across 11 states.
The median rate its borrowers got was 6.500% on a median loan of $365,000.
Of 786 decisions, 63 were denials — 8.0%, most often for credit application incomplete.
Legal Entity Identifier
549300LT75BG7Z054795
Applications received
911
Mortgages made
722
Denied
63
Approved, not taken up
1
Withdrawn or incomplete
125
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.131 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
627
6.500%
$365,000
8.6%
Refinancing
49
6.000%
$385,000
0.0%
Cash-out refinancing
46
6.625%
$260,000
8.0%
Where BAY CAPITAL MORTGAGE CORPORATION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When BAY CAPITAL MORTGAGE CORPORATION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are
not a lender, a broker or a lead generator: this is a notification about published data, not a sales call.
Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.