BayVanguard Bank
BayVanguard Bank received 112 applications in 2025 and made 88 mortgages, in 23 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $315,000. Of 94 decisions, 4 were denials — 4.3%, most often for credit history.
| Legal Entity Identifier | 549300LWL6LDRPYWVK06 |
|---|---|
| Applications received | 112 |
| Mortgages made | 88 |
| Denied | 4 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: BayVanguard Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | Not published | $355,000 | 1.5% |
| Refinancing | 12 | Not published | $300,000 | 7.7% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where BayVanguard Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Baltimore County, MD | 18 | Not published | 5.3% |
| Worcester County, MD | 16 | Not published | 0.0% |
| Baltimore city, MD | 12 | Not published | 14.3% |
| Dorchester County, MD | 8 | Under 10 loans | 0.0% |
| Talbot County, MD | 7 | Under 10 loans | 0.0% |
| Sussex County, DE | 6 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 5 | Under 10 loans | 0.0% |
| Carroll County, MD | 2 | Under 10 loans | 0.0% |
| Kent County, MD | 2 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 2 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Caroline County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 0 | Under 10 loans | 0.0% |
| Iredell County, NC | 0 | Under 10 loans | Not published |
| Prince William County, VA | 0 | Under 10 loans | 100.0% |
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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.