Get & compare mortgage quotes anonymously Start in My Home
BFNB
Unclaimed

BayFirst National Bank

Bank•Saint Petersburg, FLHQ•Direct•Reviews near you on Google

BayFirst National Bank has 23 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Sound
3/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

BayFirst National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+28.2 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
20 loans · 0.31% above market
Mediocre
Bottom 20% of lenders
1/5
By Loan Purpose· Transaction purpose mix
Purchase
20 loans · 0.22% above market
Mediocre
Bottom 20% of lenders
1/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Mediocre
Pull Through
Sound
Volume20
Mix87.0%
Spread
+0.310%Above
Fees
$1,167Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing
Mediocre
Pull Through
Acceptable
Volume20
Mix87.0%
Spread
+0.219%Above
Fees
$403Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
23
Applications
30
Volume
$10 million
Pricing & Closing
Avg Rate Spread
+0.282%
vs. market APOR
Avg Net Fees
$351
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$476,304
Avg Borrower Income
$205,696
Avg Property Value
$678,478

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 2020+None
Midwest1
OH
South1
FL

Top Metro Areas by Place Specialization Score

1© Jrozwado · CC BY-SA 4.0
St. Petersburg, FLMetro
Volume 11Mix 47.83% of portfolio
55/100
Sound

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 22Mix 95.65% of portfolio
53/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.

Looking for a different lender?

Are you the owner of BayFirst National Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.