Grade D · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$8,226
median across reports
vs. National Average
28%
above national avg
Avg Origination Charge
$3,718
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,718 | $3,743 | 🟡 Average |
| discount_points | $3,692 | $3,585 | 🟡 Average |
| lender_credits | $385 | $1,150 | 🟢 Below Avg |
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Based on 700 homebuyer-submitted Closing Disclosures, Bay Capital Mortgage Corporation's median total closing costs are $8,226. This is about 28% above the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Bay Capital Mortgage Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
599
Ranked #570 nationally
Median Total Costs
$8,508
+27.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
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 |
| This lender | Maryland median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,549 | $7,815 | $6,680 |
| Interest Rate | 6.490% | 6.490% | 6.490% |
| Originations in state | 497 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.562% |
| $7,922 |
| — |
| West Virginia | 2 | 5.875% | $12,091 | — |
| Georgia | 1 | 6.250% | $8,786 | — |