# BAYCOAST MORTGAGE COMPANY, LLC

> **Canonical URL:** https://saferate.com/lenders/baycoast-mortgage-company


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BAYCOAST MORTGAGE COMPANY, LLC is a independent mortgage company, headquartered in SWANSEA, MA, serving borrowers across 11 states, with 911 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300SYR11CYON0JE74
- **Headquarters:** SWANSEA, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** CT, FL, MA, MD, NC, NH, NJ, PA, RI, SC, VA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.027%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $997
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 911
- **Dollar Volume:** $423 million
- **Applications Received:** 1,178
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $464,440
- **Average Borrower Income:** $194,195
- **Average Property Value:** $689,687

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 787 | -0.017% | $1,009 | Strong 😀 |
| FHA | 63/100 | 64 | +0.088% | $968 | Strong 😀 |
| VA | 66/100 | 29 | -0.694% | $370 | Strong 😀 |
| Jumbo | 73/100 | 31 | +0.048% | $1,397 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 582 loans, Score: 71/100 (Strong)
- Refinance: 205 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 54 loans, Score: 61/100 (Strong)

**VA:**
- Purchase: 23 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 21 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 680 | $316M | -0.013% | Strong 😀 |
| Refinance | 73/100 | 231 | $107M | -0.069% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 516 | 0.85% | 83/100 |
| RI | 305 | 2.84% | 90/100 |
| CT | 50 | 0.15% | 58/100 |
| FL | 16 | 0.01% | 37/100 |
| NH | 13 | 0.08% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 585 | 99/100 |
| Worcester, MA | MA | 76 | 75/100 |
| Boston, MA | MA | 69 | 66/100 |
| Non |  | 51 | 40/100 |
| Cambridge | MA | 39 | 57/100 |
| Barnstable Town, MA | MA | 14 | 46/100 |
| Springfield, MA | MA | 13 | 45/100 |
| Hartford | CT | 12 | 43/100 |

## Where This Lender Ranks

BAYCOAST MORTGAGE COMPANY, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Providence Mortgage Companies
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Providence for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Providence for FHA Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Providence for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Massachusetts Mortgage Companies
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Massachusetts for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Rhode Island Mortgage Companies
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Rhode Island for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Rhode Island for FHA Loans
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Rhode Island for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Worcester, MA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Boston, MA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Providence for VA Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Providence for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Massachusetts for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Massachusetts for VA Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Massachusetts for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Rhode Island for VA Loans
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Rhode Island for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Worcester, MA Mortgage Companies
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does BAYCOAST MORTGAGE COMPANY, LLC offer?

BAYCOAST MORTGAGE COMPANY, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BAYCOAST MORTGAGE COMPANY, LLC offer mortgages?

BAYCOAST MORTGAGE COMPANY, LLC offers mortgages in 11 states: CT, FL, MA, MD, NC, NH, NJ, PA, RI, SC, VA.

### How competitive are BAYCOAST MORTGAGE COMPANY, LLC's mortgage rates?

BAYCOAST MORTGAGE COMPANY, LLC has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.027% below market average.

### What type of lender is BAYCOAST MORTGAGE COMPANY, LLC?

BAYCOAST MORTGAGE COMPANY, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SWANSEA, MA.

### What is BAYCOAST MORTGAGE COMPANY, LLC's loan approval success rate?

BAYCOAST MORTGAGE COMPANY, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/baycoast-mortgage-company

### How to Cite

> "BAYCOAST MORTGAGE COMPANY, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/baycoast-mortgage-company

---

**[View Interactive Profile →](https://saferate.com/lenders/baycoast-mortgage-company)**