Baycoast Mortgage Company
We analyzed every closed loan from Baycoast Mortgage Company — 911 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 2.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Baycoast Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 2.7 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
787 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
FHA
64 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
VA
29 loans · 0.69% below market
Strong
Top 40% of lenders
4/5
Jumbo
31 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
680 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Refinance
231 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 787 | 86.4% | -0.017%Below | $1,009Fees | ||||
FHA Loans | 64 | 7.0% | +0.088%Above | $968Fees | ||||
VA Loans | 29 | 3.2% | -0.694%Below | $370Fees | ||||
Jumbo Loans | 31 | 3.4% | +0.048%Above | $1,397Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume787
Mix86.4%
Spread
-0.017%Below
Fees
$1,009Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume64
Mix7.0%
Spread
+0.088%Above
Fees
$968Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume29
Mix3.2%
Spread
-0.694%Below
Fees
$370Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume31
Mix3.4%
Spread
+0.048%Above
Fees
$1,397Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 680 | 74.6% | -0.013%Below | $1,335Fees | ||||
Refinance | 231 | 25.4% | -0.069%Below | $37Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume680
Mix74.6%
Spread
-0.013%Below
Fees
$1,335Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume231
Mix25.4%
Spread
-0.069%Below
Fees
$37Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
911
Applications
1,178
Volume
$423 million
Pricing & Closing
Avg Rate Spread
-0.027%
vs. market APOR
Avg Net Fees
$997
Origination − Credits
Pullthrough Rate
77.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$464,440
Avg Borrower Income
$194,195
Avg Property Value
$689,687
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 1010–2020–5050–500500+None
Northeast6
CTMANHNJPARI
South5
FLMDNCSCVA
Top States by Place Specialization Score
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.