Effective Date: July 19, 2026
Last Reviewed: July 19, 2026
Bay Capital Mortgage Corporation, NMLS #39610 ("Bay Capital," "we," "us," or "our"), respects the privacy of consumers who inquire about, apply for, or obtain mortgage products and services through Bay Capital or its authorized mortgage professionals.
This Privacy Policy explains how personal information may be collected, used, disclosed, retained, and protected when you interact with our website, submit an inquiry, request mortgage information, use our digital tools, communicate with a mortgage loan originator, or apply for mortgage financing.
Bay Capital's official corporate privacy policy is designed specifically for consumers obtaining mortgage products or services. Consumers who enter into a mortgage transaction with Bay Capital may also receive a separate financial privacy disclosure governing information collected and shared in connection with that transaction.
This Privacy Policy applies to information collected through this website and related digital services in connection with:
Information collected during an actual mortgage application or transaction may also be governed by additional federal and state privacy notices provided directly by Bay Capital.
For purposes of this Privacy Policy:
Affiliate means a financial or nonfinancial company related through common ownership or control.
Non-Affiliate means a financial or nonfinancial company that is not related through common ownership or control.
Joint Marketing refers to a formal arrangement between non-affiliated financial companies that jointly market financial products or services.
These definitions are consistent with those used in Bay Capital's current corporate privacy policy.
Depending on your interaction with Bay Capital, we may collect information including:
Bay Capital's official privacy policy specifically identifies information such as name, address, Social Security number, telephone number, email address, employment information, income, assets, payment history, and credit history among the information it may collect.
In connection with a mortgage inquiry or application, Bay Capital may also obtain information from sources such as:
Bay Capital's corporate privacy policy expressly states that information may be obtained from credit bureaus, affiliates, and other companies.
When you use this website, certain technical or usage information may also be collected, including:
Where this website uses Google Ads, Google Analytics, conversion tracking, or similar technologies, information may be collected to measure website traffic, advertising performance, and lead conversions.
These technologies should not be used to intentionally transmit sensitive mortgage application information such as Social Security numbers, credit data, or detailed financial documents to advertising platforms.
Personal information may be used to:
Bay Capital's official privacy policy states that personal information is used to verify identity, provide customer service, and evaluate requests for products and services.
Bay Capital may share information where permitted or required for legitimate mortgage-lending and everyday business purposes.
This may include sharing information as necessary to:
Bay Capital's current corporate privacy policy states that certain information may be shared for everyday business purposes and that consumers generally cannot limit sharing necessary to process transactions, maintain accounts, respond to legal processes, or report to credit bureaus.
According to Bay Capital's current corporate privacy policy, Bay Capital does not share consumer personal information for:
Bay Capital also states that mobile opt-in information, SMS consent data, and telephone numbers collected for SMS purposes are not shared with third parties or affiliates for marketing purposes.
This website's practices should remain consistent with those corporate commitments.
When you voluntarily provide a telephone number and affirmatively opt in to receive SMS communications, you may receive communications from Bay Capital Mortgage Corporation relating to matters such as:
Message and data rates may apply, and messaging frequency may vary.
Consumers may opt out of SMS communications by replying STOP and may request assistance by replying HELP.
Consent to receive SMS communications is not required as a condition of obtaining Bay Capital's goods or services. Bay Capital's official policy further states that mobile opt-in data, SMS consent, and telephone numbers collected for SMS purposes will not be shared with third parties or affiliates.
Any lead-generation form on this website that includes SMS marketing consent should use clear, affirmative, and legally reviewed opt-in language rather than automatically enrolling users.
Where authorized and legally permitted, consumer credit information may be obtained and used in connection with a mortgage inquiry or application.
If a consumer believes Bay Capital has furnished inaccurate information to a credit bureau, Bay Capital's official privacy policy directs the consumer to contact the company in writing with the relevant account number and supporting information at its corporate address.
Bay Capital Mortgage Corporation
2553 Housley Road, Suite 200
Annapolis, MD 21401
Bay Capital states that it maintains security measures designed to comply with applicable federal requirements and protect customer information against unauthorized access and use.
Its published privacy practices specifically reference computer safeguards, secured files and buildings, employee access restrictions based on job responsibilities, and requirements that companies performing services for Bay Capital protect customer information.
While reasonable safeguards are used, no electronic transmission, storage system, or internet-based service can be guaranteed to be completely secure.
Consumers should avoid sending Social Security numbers, bank statements, tax returns, or other highly sensitive financial documents through unsecured email or ordinary website contact forms unless the system has been expressly designated by Bay Capital for secure document transmission.
This website may use cookies, pixels, tags, and similar technologies to:
Where legally required, users may be presented with additional cookie or consent options.
Advertising and analytics platforms should not be configured to receive sensitive mortgage application information or other financial information that is unnecessary for advertising measurement.
Mortgage payment calculators, rent-versus-buy calculators, affordability calculators, and other financial tools on this website are provided solely for general educational and informational purposes.
Calculator results:
Bay Capital's own general compliance statement provides that mortgage loans remain subject to borrower qualifications, property evaluation, applicable loan-to-value requirements, final credit approval, underwriting guidelines, program guidelines, and market conditions.
Mortgage lending activity in Texas is primarily regulated at the state level by the Texas Department of Savings and Mortgage Lending, which licenses or registers and regulates much of Texas's residential mortgage industry.
Bay Capital Mortgage Corporation and any Bay Capital mortgage loan originator conducting business in Texas must maintain the applicable licenses, registrations, or sponsorship required for the specific mortgage activities being performed.
The Texas Department of Savings and Mortgage Lending maintains separate mandatory consumer notices for entities classified as Mortgage Companies and entities classified as Mortgage Bankers. Current SML materials identify website complaint-notice requirements under 7 TAC §56.200(c) for mortgage companies and 7 TAC §57.200(c) for mortgage bankers.
The exact Texas SML complaint notice applicable to Bay Capital should be posted separately on the website after confirming Bay Capital's current Texas license or registration classification in NMLS Consumer Access.
I would not substitute custom language for that required regulatory notice.
The Texas Real Estate Commission primarily regulates Texas real estate brokers, sales agents, inspectors, easement or right-of-way agents, and timeshare-related licensees; it is not the principal regulator of residential mortgage lending companies.
Accordingly, this Privacy Policy does not represent Bay Capital Mortgage Corporation as being regulated by TREC solely because it originates mortgage loans.
If a member of the Ray Campbell Team separately holds a Texas real estate license and performs real estate brokerage activities, that individual's brokerage activities may be separately subject to TREC requirements, including applicable consumer notices and representation rules.
The Texas Data Privacy and Security Act (TDPSA) generally provides Texas consumers with certain personal-data rights; however, the Texas Attorney General states that financial institutions governed by the Gramm-Leach-Bliley Act are among the entities exempt from the TDPSA, and certain GLBA-governed information is separately exempt.
Because Bay Capital's mortgage business handles financial information governed by federal financial privacy requirements, this Privacy Policy does not promise TDPSA rights that may not legally apply to Bay Capital or particular categories of financial information.
Consumers may nevertheless contact Bay Capital regarding questions or concerns about their personal information using the contact information provided below.
Personal and financial information may be retained for periods reasonably necessary to:
Information should be securely disposed of, deleted, or anonymized when retention is no longer required, subject to applicable legal and regulatory obligations.
Bay Capital may use service providers to support legitimate mortgage and business operations.
These may include providers involved with:
Bay Capital's published privacy policy states that companies performing services on its behalf are required to protect customer information.
This website may link to third-party websites or services.
Bay Capital is not responsible for the privacy practices, security, or content of websites it does not control.
Consumers should review the applicable privacy policy before submitting personal or financial information through any third-party website.
In connection with a home purchase or mortgage transaction, consumers may separately interact with real estate agents, brokers, appraisers, title companies, settlement providers, insurance providers, and other professionals.
Any sharing of consumer information in connection with these relationships should occur only as permitted by applicable law and as reasonably necessary to facilitate the service or transaction requested by the consumer.
Nothing in this Privacy Policy authorizes any referral, marketing arrangement, or sharing practice prohibited by applicable federal or Texas mortgage or real-estate laws.
Where legally permitted and consistent with consumer consent, Bay Capital or its authorized representatives may communicate with individuals regarding mortgage-related products or services.
Consumers may opt out of certain promotional communications using the unsubscribe or opt-out mechanism provided.
Opting out of marketing communications does not prevent Bay Capital from sending necessary transactional, application-related, servicing, security, legal, or regulatory communications.
Bay Capital's mortgage services are intended for adults engaging in residential mortgage transactions.
This website is not designed to knowingly collect personal information from children under 13.
Mortgage lending decisions must be made in accordance with applicable federal and state fair-lending and housing laws.
This website should display the applicable Equal Housing Opportunity or Equal Housing Lender identification required for Bay Capital's activities and licensing status.
Bay Capital or the operator of this website may update this Privacy Policy periodically to reflect changes in:
The updated version will be identified by a revised Effective Date or Last Reviewed date.
Questions concerning privacy, compliance, or Bay Capital's information practices may be directed to:
Bay Capital Mortgage Corporation
NMLS #39610
2553 Housley Road, Suite 200
Annapolis, MD 21401
Phone: 410-974-6044
Email: compliance@baycapitalmortgage.com
These are the corporate contact details currently published by Bay Capital Mortgage Corporation.
