Lender
Bay Capital Mortgage Corporation
Company NMLS ID 39610 (opens in a new tab)
Bay Capital Mortgage Corporation (company NMLS 39610) is a mortgage lender. LenDb lists 1 of its loan officers, each with an individual NMLS ID, licensed states and sources.
Last verified . Sources: Bay Capital Mortgage Corporation's own loan officer directory and NMLS Consumer Access.
- 1 loan officers on LenDb
- 0 branch states
- Disciplinary history not yet checked
- FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026) (opens in a new tab)
Lending activity (HMDA)
Funded 720 home loans in 2025 (HMDA), 462 conventional
- By loan type: 462 conventional, 135 FHA, 103 VA, 20 USDA.
- By purpose: 627 purchase, 93 refinance.
- 7 jumbo (above the conforming loan limit); 16 for investment properties.
- Down 14% from 2024 (842 loans).
- About $281.2 million in loan amounts (HMDA reports amounts in $10,000 bands).
Most loans in Maryland (589), Pennsylvania (63), Florida (30).
Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.
Loan officers
Branch not listed 1
- Daniel Spotts · NMLS 224676
Source: state regulator, verified 2026-10-13. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.