BayFirst National Bank
BayFirst National Bank received 781 applications in 2025 and made 463 mortgages, in 32 counties across 11 states. The median rate its borrowers got was 7.500% on a median loan of $125,000. Of 731 decisions, 232 were denials — 31.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DMI3W6YLDVSK93 |
|---|---|
| Applications received | 781 |
| Mortgages made | 463 |
| Denied | 232 |
| Approved, not taken up | 36 |
| Withdrawn or incomplete | 50 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.3 points |
| FDIC-insured bank | Yes: BayFirst National Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 34 | 7.750% | $225,000 | 41.9% |
| Refinancing | 47 | 8.000% | $155,000 | 25.4% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 382 | 7.500% | $125,000 | 31.4% |
Where BayFirst National Bank lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sarasota County, FL | 143 | 7.500% | 21.1% |
| Pinellas County, FL | 100 | 7.500% | 34.3% |
| Manatee County, FL | 81 | 8.000% | 25.2% |
| Hillsborough County, FL | 61 | 7.500% | 42.1% |
| Pasco County, FL | 30 | 7.500% | 36.0% |
| Charlotte County, FL | 11 | 7.500% | 40.9% |
| Lee County, FL | 9 | Under 10 loans | 10.0% |
| Polk County, FL | 8 | Under 10 loans | 33.3% |
| Hernando County, FL | 7 | Under 10 loans | 36.4% |
| Orange County, FL | 3 | Under 10 loans | 42.9% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| DeSoto County, FL | 1 | Under 10 loans | 0.0% |
| Highlands County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 66.7% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 0 | Under 10 loans | Not published |
| Brevard County, FL | 0 | Under 10 loans | 100.0% |
| Franklin County, FL | 0 | Under 10 loans | 100.0% |
| DeKalb County, GA | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Will County, IL | 0 | Under 10 loans | 100.0% |
| Pike County, IN | 0 | Under 10 loans | 100.0% |
| Guthrie County, IA | 0 | Under 10 loans | 100.0% |
| Jefferson Davis Parish, LA | 0 | Under 10 loans | 100.0% |
| Delta County, MI | 0 | Under 10 loans | 100.0% |
| Westchester County, NY | 0 | Under 10 loans | 100.0% |
| Washington County, OR | 0 | Under 10 loans | Not published |
| Amherst County, VA | 0 | Under 10 loans | 100.0% |
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When BayFirst National Bank’s figures are published for the next year, or restated.
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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.