Bay Capital Mortgage Corporation mortgage approval rate & lending review
Bay Capital Mortgage Corporation decided 1,899 mortgage applications and funded 1,771 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bay Capital Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bay Capital Mortgage Corporation at a glance
Approval is 6.8 points above the 86.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,569 / 1,681 | 100% | $375K | 1,568 |
| Cash-out refinance | 91% | 58 / 64 | 100% | $275K | 58 |
| Refinance | 98% | 55 / 56 | 100% | $385K | 55 |
| Investment property purchase | 93% | 77 / 83 | 100% | $215K | 77 |
Bay Capital Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 93% | $415K | 1,450 | 1,355 |
| Florida | 91% | $275K | 193 | 175 |
| Pennsylvania | 95% | $295K | 164 | 156 |
| Delaware | 93% | $365K | 29 | 27 |
| Virginia | 100% | $485K | 24 | 24 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bay Capital Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Anne Arundel County, MD | Mortgage lenders | 96% | 437 | 419 |
| St. Mary's County, MD | Mortgage lenders | 98% | 130 | 128 |
| Howard County, MD | Mortgage lenders | 94% | 106 | 100 |
| Adams County, PA | Mortgage lenders | 98% | 81 | 79 |
| Carroll County, MD | Mortgage lenders | 96% | 80 | 77 |
| Leon County, FL | Mortgage lenders | 87% | 84 | 73 |
| Baltimore County, MD | Mortgage lenders | 88% | 73 | 64 |
| Baltimore city, MD | Mortgage lenders | 88% | 73 | 64 |
| Charles County, MD | Mortgage lenders | 89% | 71 | 63 |
| Frederick County, MD | Mortgage lenders | 94% | 67 | 63 |
| Wicomico County, MD | Mortgage lenders | 87% | 55 | 48 |
| Washington County, MD | Mortgage lenders | 96% | 49 | 47 |
The county markets where Bay Capital Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Bay Capital Mortgage Corporation
What is Bay Capital Mortgage Corporation's mortgage approval rate?
Bay Capital Mortgage Corporation approved 93.3% of the 1,899 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Bay Capital Mortgage Corporation offers?
Borrowers accepted 100% of the loans Bay Capital Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bay Capital Mortgage Corporation make?
The typical home purchase mortgage loan Bay Capital Mortgage Corporation made was $375K; across all loan types its typical loan ran from $215K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bay Capital Mortgage Corporation lend?
Bay Capital Mortgage Corporation decided applications in 11 of the states Fat Boy Data covers, most of them in Maryland, Florida and Pennsylvania.
Can I apply to Bay Capital Mortgage Corporation directly?
Yes. Bay Capital Mortgage Corporation reports as a direct lender that takes applications from borrowers.
Does this page show Bay Capital Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bay Capital Mortgage Corporation treats applications, then get a rate quote from the lender.