Applications / Mortgage Analytics / Lenders / Maryland / BayVanguard Bank
Baltimore, MD · State non-member bank · FDIC · $903 million assets · 88 loans in 2025
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88
loans originated, 2025
112
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BayVanguard Bank, a Baltimore bank built partly by mergers, makes big home-purchase loans, and in 2025 its lending grew faster than at about nine in ten banks of its size.
Its loans rose from 57 to 88, a jump of 54%. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%. The bank has absorbed several others, most recently North Arundel Savings Bank in 2022. That may have widened its reach, though the data do not show that it drove the 2025 rise. It filed no HMDA report for 2020 to 2022; those years are gaps in the record.
Jumbo loans (larger than the conforming limit) made up 15.5% of its lending, up from 5.7% and against 1.5% at similar lenders. That is higher than nearly all of them. Its typical loan was $315,000, against $175,000, and three-quarters of its loans were for home purchase.
Only 10.4% of its loans went to low- and moderate-income (LMI) borrowers, against 27.6% at similar lenders, putting it among the lowest tenth. Its larger loans may go mainly to higher-income buyers. Its share of loans in majority-minority tracts, 11.4%, was above the 6.4% at similar lenders.
It bought 2 loans in 2025, against 28 in 2024. It entered Tampa-St. Petersburg-Clearwater and North Port-Bradenton-Sarasota in 2025. In Baltimore-Columbia-Towson, where it has lent since at least 1990, its share held at 0.1%, ranking it 152 of 592 lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. BayVanguard Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 21.6% · Home improvement 3.4%
Conventional 100.0% · of 88 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 75 | 85.2% |
| Delaware | 7 | 8.0% |
| Virginia | 3 | 3.4% |
| Florida | 2 | 2.3% |
| District of Columbia | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 40 |
| Arlington-Alexandria-Reston | 3 |
| Frederick-Gaithersburg-Bethesda | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Tampa | 1 |
| Washington | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LWL6LDRPYWVK06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 242976 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48386 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708386 | 2011–2017 |
Established 1 September 1873. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BayVanguard Bank's data.
BayVanguard Bank's data
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