BayCoast Bank mortgage approval rate & lending review
BayCoast Bank decided 1,470 mortgage applications and funded 1,186 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BayCoast Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BayCoast Bank at a glance
Approval is 11.5 points above the 71.8% 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 | 84% | 341 / 407 | 99% | $75K | 338 |
| Home improvement loans | 80% | 466 / 579 | 97% | $95K | 450 |
| Cash-out refinance | 86% | 305 / 354 | 96% | $125K | 292 |
| Refinance | 80% | 28 / 35 | 96% | $65K | 27 |
| Investment property purchase | 98% | 40 / 41 | 95% | $415K | 38 |
| Investment home improvement | 84% | 32 / 38 | 97% | $105K | 31 |
BayCoast Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 84% | $105K | 1,016 | 825 |
| Rhode Island | 80% | $145K | 191 | 144 |
| Arizona | 95% | $55K | 59 | 56 |
| New York | 78% | $55K | 37 | 28 |
| New Hampshire | 83% | $65K | 35 | 29 |
| New Jersey | 82% | $45K | 28 | 23 |
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 BayCoast Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bristol County, MA | Home improvement loans | 80% | 404 | 310 |
| Bristol County, MA | Cash-out refinance | 85% | 242 | 198 |
| Bristol County, MA | Mortgage lenders | 88% | 80 | 68 |
| Providence County, RI | Home improvement loans | 69% | 64 | 41 |
| Plymouth County, MA | Home improvement loans | 95% | 41 | 38 |
| Providence County, RI | Cash-out refinance | 79% | 43 | 30 |
| Plymouth County, MA | Cash-out refinance | 96% | 26 | 24 |
| Bristol County, MA | Investment home improvement | 83% | 24 | 20 |
The county markets where BayCoast Bank made the most loans. Each link opens that market with every lender ranked.
Questions about BayCoast Bank
What is BayCoast Bank's mortgage approval rate?
BayCoast Bank approved 83.3% of the 1,470 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 71.8% national rate for the same mix of loan types.
How often do borrowers take the loan BayCoast Bank offers?
Borrowers accepted 97% of the loans BayCoast Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BayCoast Bank make?
The typical home improvement loan loan BayCoast Bank made was $95K; across all loan types its typical loan ran from $65K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BayCoast Bank lend?
BayCoast Bank decided applications in 21 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and Arizona.
Can I apply to BayCoast Bank directly?
Yes. BayCoast Bank is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BayCoast Bank'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 BayCoast Bank treats applications, then get a rate quote from the lender.