BayFirst National Bank mortgage approval rate & lending review
BayFirst National Bank decided 1,655 mortgage applications and funded 1,127 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BayFirst National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BayFirst National Bank at a glance
Approval is 9.1 points above the 67.6% 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 | 69% | 132 / 190 | 89% | $285K | 117 |
| Home improvement loans | 77% | 949 / 1,226 | 88% | $155K | 835 |
| Refinance | 82% | 164 / 200 | 93% | $155K | 152 |
BayFirst National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 77% | $155K | 1,636 | 1,123 |
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 BayFirst National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sarasota County, FL | Home improvement loans | 84% | 324 | 244 |
| Pinellas County, FL | Home improvement loans | 76% | 322 | 208 |
| Manatee County, FL | Home improvement loans | 82% | 242 | 179 |
| Hillsborough County, FL | Home improvement loans | 73% | 185 | 115 |
| Pinellas County, FL | Refinance | 80% | 56 | 43 |
| Pasco County, FL | Home improvement loans | 72% | 61 | 40 |
| Sarasota County, FL | Refinance | 83% | 42 | 34 |
| Manatee County, FL | Refinance | 87% | 38 | 31 |
| Hillsborough County, FL | Refinance | 74% | 34 | 21 |
| Charlotte County, FL | Home improvement loans | 52% | 23 | 10 |
The county markets where BayFirst National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about BayFirst National Bank
What is BayFirst National Bank's mortgage approval rate?
BayFirst National Bank approved 76.7% of the 1,655 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.1 points above the 67.6% national rate for the same mix of loan types.
How often do borrowers take the loan BayFirst National Bank offers?
Borrowers accepted 89% of the loans BayFirst National 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 BayFirst National Bank make?
The typical home improvement loan loan BayFirst National Bank made was $155K; across all loan types its typical loan ran from $155K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BayFirst National Bank lend?
BayFirst National Bank decided applications in 14 of the states Fat Boy Data covers, most of them in Florida, Georgia and New Jersey.
Can I apply to BayFirst National Bank directly?
Yes. BayFirst National Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BayFirst National 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 BayFirst National Bank treats applications, then get a rate quote from the lender.