What loan types does Bay Capital Mortgage Corporation offer?

Bay Capital Mortgage Corporation offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Bay Capital Mortgage Corporation offer mortgages?

Bay Capital Mortgage Corporation offers mortgages in 10 states: DC, DE, FL, MD, MI, NC, PA, SC, VA, WV.

How competitive are Bay Capital Mortgage Corporation's mortgage rates?

Bay Capital Mortgage Corporation has an overall pricing score of 32.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bay Capital Mortgage Corporation?

Bay Capital Mortgage Corporation is a Independent Mortgage Company headquartered in ANNAPOLIS, MD.

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Bay Capital Mortgage Corporation

Independent Mortgage Company•Annapolis, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Bay Capital Mortgage Corporation — 826 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 8 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Bay Capital Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+19.7 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

541 loans · 0.22% above market

Strong

Top 40% of lenders

4/5

FHA

162 loans · 0.40% above market

Strong

Top 40% of lenders

4/5

90 loans · 0.38% below market

Strong

Top 40% of lenders

4/5

USDA

27 loans · 0.06% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

771 loans · 0.19% above market

Strong

Top 40% of lenders

4/5

Refinance

55 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 9 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	541	65.5%	+0.221%Above	$3,655Fees
FHA Loans	Strong	Strong	Sound	Strong	162	19.6%	+0.402%Above	$3,668Fees
VA Loans	Strong	Strong	Acceptable	Exceptional	90	10.9%	-0.380%Below	$3,437Fees
USDA Loans	Strong	Strong	—	Strong	27	3.3%	-0.057%Below	$2,738Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume541

Mix65.5%

Spread

+0.221%Above

Fees

$3,655Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume162

Mix19.6%

Spread

+0.402%Above

Fees

$3,668Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume90

Mix10.9%

Spread

-0.380%Below

Fees

$3,437Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume27

Mix3.3%

Spread

-0.057%Below

Fees

$2,738Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	771	93.3%	+0.193%Above	$3,663Fees
Refinance	Sound	Sound	Acceptable	Strong	55	6.7%	+0.249%Above	$3,012Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume771

Mix93.3%

Spread

+0.193%Above

Fees

$3,663Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume55

Mix6.7%

Spread

+0.249%Above

Fees

$3,012Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

826

Applications

1,040

Volume

$302 million

Pricing & Closing

Avg Rate Spread

+0.197%

vs. market APOR

Avg Net Fees

$3,615

Origination − Credits

Pullthrough Rate

79.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$366,574

Avg Borrower Income

$148,582

Avg Property Value

$452,373

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

10Full-year 2024 · HMDA

Loans originated

< 1010–5050–100100+None

Northeast1

Midwest1

South8

DCDEFLMDNCSCVAWV

Top Metro Areas by Place Specialization Score

Baltimore, MDMetro

Volume 334Mix 40.44% of portfolio

84/100

Exceptional

Salisbury, MDMetro

Volume 29Mix 3.51% of portfolio

75/100

Strong

Lexington Park, MDMetro

Volume 81Mix 9.81% of portfolio

75/100

Strong

Gettysburg, PAMetro

Volume 29Mix 3.51% of portfolio

73/100

Strong

Tallahassee, FLMetro

Volume 41Mix 4.96% of portfolio

66/100

Strong

Washington, DC, DC-MDMetro

Volume 51Mix 6.17% of portfolio

65/100

Strong

Frederick, MDMetro

Volume 41Mix 4.96% of portfolio

63/100

Strong

Hagerstown, MD-WVMetro

Volume 23Mix 2.78% of portfolio

56/100

Sound

Top States by Place Specialization Score

MarylandState

Volume 660Mix 79.90% of portfolio

87/100

Exceptional

PennsylvaniaState

Volume 53Mix 6.42% of portfolio

55/100

Sound

FloridaState

Volume 78Mix 9.44% of portfolio

55/100

Sound

DelawareState

Volume 11Mix 1.33% of portfolio

41/100

Sound

VirginiaState

Volume 10Mix 1.21% of portfolio

37/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.