Purchase Originations
599
Ranked #570 nationally
Median Total Costs
$8,508
+27.4% vs national ($6,680)
↑ $335 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,838
Median Lender Credits
$104
Cost Rank (500+ vol.)
#472
among lenders with 500+ originations
Denial Rate
7.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 374 | 6.625% | $6,810 | $3,200 |
| fha | 123 | 6.250% | $11,773 | $2,421 |
| va | 82 | 6.125% | $10,902 | $1,412 |
| usda | 20 | 5.812% | $8,797 | $2,767 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 497 | 6.490% | $8,549 | #29 |
| Pennsylvania | 51 | 6.500% | $6,445 | #206 |
| Florida | 23 | 6.625% | $9,767 | — |
| Virginia | 11 | 6.500% | $8,153 | — |
| Delaware | 9 | 6.250% | $8,984 | — |
| North Carolina | 3 | 6.875% | $13,824 | — |
| District of Columbia | 2 | 6.562% | $7,922 | — |
| West Virginia | 2 | 5.875% | $12,091 | — |
| Georgia | 1 | 6.250% | $8,786 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,578 | 6.495% | — | 18 | −$2,930 | |
| 2 | $6,295 | 6.562% | — | 28 | −$2,213 | |
| 3 | $6,511 | 6.625% | — | 32 | −$1,997 | |
| 4 | $6,533 | 6.188% | — | 14 | −$1,975 | |
| 5 | $6,849 | 6.375% | — | 15 | −$1,659 | |
| 6 | $7,670 | 6.500% | — | 44 | −$838 | |
| 7 | $7,698 | 6.495% | — | 22 | −$810 | |
| 8 | $8,160 | 6.625% | — | 13 | −$348 | |
| 9 | $8,359 | 6.375% | — | 23 | −$149 | |
| 10 | $8,362 | 6.438% | — | 30 | −$146 | |
| 11 | $8,615 | 6.500% | — | 123 | +$107 | |
| 12 | $8,928 | 6.375% | — | 18 | +$420 | |
| 13 | $9,256 | 6.125% | — | 11 | +$748 | |
| 14 | $9,540 | 6.500% | — | 25 | +$1,032 | |
| 15 | $10,062 | 6.375% | — | 38 | +$1,554 | |
| 16 | $10,256 | 6.188% | — | 12 | +$1,748 | |
| 17 | $10,265 | 6.250% | — | 10 | +$1,757 | |
| 18 | $11,061 | 6.375% | — | 15 | +$2,553 | |
| 19 | $12,899 | 6.375% | — | 18 | +$4,391 | |
| 20 | $13,896 | 6.750% | — | 10 | +$5,388 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bay Capital Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $8,508 | $7,127 | +$1,381 (+19.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.