Baycoast Bank
Swansea, MA · What the federal mortgage record shows about how Baycoast Bank treated New Jersey applicants, 2018–2025 — 310 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 310 New Jersey applications Baycoast Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Baycoast Bank’s rates ran +2.67 pp higher than the typical New Jersey lender (average rate spread +2.90 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Baycoast Bank approves
Why Baycoast Bank denied applications
Where Baycoast Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Ocean County | 71 | 66.2% |
| Atlantic County | 65 | 70.8% |
| Monmouth County | 44 | 77.3% |
| Middlesex County | 31 | 77.4% |
| Burlington County | 27 | 77.8% |
Compare Baycoast Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Baycoast Bank (LEI 549300OTLWFQPOOSC346). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →