Applications / Mortgage Analytics / Lenders / Massachusetts / Baycoast Mortgage Company
Swansea, MA · Non-bank subsidiary of a bank · CFPB · 1,119 loans in 2025
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1,119
loans originated, 2025
1,455
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Baycoast Mortgage Company, a bank-owned lender in Swansea, Massachusetts, ranks sixth in the Providence market and makes larger, more conventional loans than similar lenders.
In Providence-Warwick, MA-RI, its largest market and one where it has lent since 2016, it ranked 6 of 475 lenders with 3.0% of lending, up from 2.9%. Citizens Bank led, followed by United Wholesale Mortgage and Navigant Credit Union. Elsewhere it is a small player, ranking 87 of 451 in Worcester, MA.
Its typical loan was $445,000, against $315,000 at similar lenders, the 14 bank-owned non-bank lenders making between half and twice as many loans. Conventional loans were 92.1% of its total, against 80.0%. Only 0.1% were higher-priced (a rate well above the average for similar loans). Its loans rose 4% to 1,119, against 1% at similar lenders.
Neighborhoods of low and moderate income took 14.8% of its loans, against 20.1% at similar lenders, and majority-minority neighborhoods 5.6%, against 15.2%. Both shares are lower than at more than four in five of them. Its larger loans and its markets, mostly in Massachusetts, are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Baycoast Mortgage Company took 1,455 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.7% · Refinance 32.0% · Other 1.5% · Home improvement 0.8%
Conventional 92.1% · FHA 4.9% · VA 2.9% · of 1,119 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 |
|---|---|---|
| Massachusetts | 597 | 53.4% |
| Rhode Island | 429 | 38.3% |
| Connecticut | 51 | 4.6% |
| New Hampshire | 17 | 1.5% |
| Florida | 13 | 1.2% |
| South Carolina | 4 | 0.4% |
| North Carolina | 2 | 0.2% |
| New Jersey | 2 | 0.2% |
| Virginia | 2 | 0.2% |
| Maryland | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 785 |
| Boston | 99 |
| Worcester | 60 |
| Cambridge-Newton-Framingham | 38 |
| Hartford-West Hartford-East Hartford | 18 |
| Barnstable Town | 16 |
| Norwich-New London-Willimantic | 10 |
| Bridgeport-Stamford-Danbury | 8 |
| Springfield | 5 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SYR11CYON0JE74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4522881 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3462886385 |
Established 31 May 2013. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Baycoast Mortgage Company's data.
Baycoast Mortgage Company's data
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