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Bayshore Capital

Full company profile

uuid0024dmx

Namestring
Bayshore Capital
Legal namestring
Bayshore Capital
Websiteurl
bscap.com
Company typeenum
Private
Founded yearint
2002
Descriptiontext

Bayshore Capital is a privately held, California-licensed direct-to-consumer residential mortgage lender headquartered in Newport Beach, California, with an additional mailing address in Costa Mesa. The firm has operated since approximately 2002, originating purchase loans, refinance loans (including cash-out up to 125% loan-to-value), second mortgages, and offering fixed-rate, adjustable-rate, interest-only, jumbo, and conforming rate products. It holds California DRE License #01302874 and NMLS #236482, and its geographic scope is limited to California.

Short descriptiontext

Bayshore Capital is a privately held, California-licensed direct-to-consumer online residential mortgage lender offering purchase, refinance, and second-mortgage products to individual borrowers, operating from Newport Beach, CA.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersNewport Beach, United States
HQ citystring
Newport Beach
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices2 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
residential mortgage lending, home purchase loans, mortgage refinancing, direct mortgage lender, second mortgage loans
NAICS code1 code
  • Mortgage and Nonmortgage Loan Brokers52231
SIC code1 code
  • Mortgage Bankers & Loan Correspondents6162
Product category
Residential Mortgage Lending
No data
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Mortgage Lending
TypeTransaction Fee
Description

Bayshore Capital generates revenue through originating mortgage loans including purchase loans, refinance loans, and second mortgages. The company operates as a direct lender, earning interest income and fees on originated loans. They offer products including 15 and 30 year fixed-rate loans, adjustable rate loans, and interest-only loans.

bscap.com
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Personnel, Operations, Technology or R&D, Marketing or Sales
Pricing details1 tier
1Direct lending with no broker fees
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

No brokers or fees mentioned for direct lending. Closing costs (3-6% of loan amount) apply. Borrowers can access up to 125% of home value for refinance loans.

bscap.com
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

Bayshore Capital is a California-based direct-to-consumer mortgage lender that originates residential mortgage loans including new purchase loans, refinance loans, second mortgages, fixed-rate and adjustable-rate loans, and interest-only loans. The company operates an online application and processing platform that enables borrowers to apply, upload documentation, and track loan status without broker intermediaries.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

Bayshore Capital is a full-service mortgage company offering a portfolio of loan products centered on residential mortgage financing. The core product lineup includes New Purchase Loans (15 and 30 Year Fixed-Rate options), Refinance Loans (including cash-out up to 125% LTV), 2nd Mortgages, Adjustable Rate Loans, Interest Only Loans, and specialty rate categories (Jumbo and Conforming). These products are complemented by a suite of online mortgage tools including a Should I Refi? calculator, Monthly Payments calculator, and Amortization calculator, all accessible through an online application portal. The company positions itself as a direct-to-consumer lender bypassing brokers, with California DRE License #01302874 and NMLS #236482.

Scale indicator2 records

Each record includes

Type, Value, Description, Source

Recent move4 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight3 records

Each record includes

Type, Description

Peers10 records
1NewRez (New Residential Mortgage)
TypeDirect peer
Description

National direct and wholesale mortgage lender offering conventional, government, and specialty products with significant California origination. Comparable on product range and direct-to-consumer focus.

2Movement Mortgage
TypeDirect peer
Description

Retail mortgage lender with strong branch and direct channels, operating in California and other states. Comparable on consumer mortgage origination and multi-product offerings.

3PennyMac Loan Services
TypeBroad incumbent
Description

Large national mortgage lender and servicer with direct-to-consumer, broker, and correspondent channels. Comparable on product set though much broader and operationally diversified into servicing.

4Better.com
TypeDirect peer
Description

Digital-first direct mortgage lender with fully online application, underwriting, and closing. Highly comparable on direct-to-consumer distribution and product breadth, though operating at vastly greater scale.

5UWM (United Wholesale Mortgage)
TypeBroad incumbent
Description

Largest US wholesale mortgage lender with a deep broker network and aggressive technology investments. Comparable on mortgage product range though distributed via wholesale rather than direct channels.

6Rocket Mortgage
TypeDirect peer
Description

Largest US direct-to-consumer online mortgage lender offering purchase, refinance, and HELOC products with an end-to-end digital experience. Comparable to Bayshore on channel model and product set, but orders of magnitude larger in volume and technology investment.

7Guild Mortgage
TypeDirect peer
Description

Retail-focused mortgage lender with strong California presence and full product suite including purchase, refinance, and government loans. Comparable on product breadth and California-centric retail distribution.

8Caliber Home Loans
TypeDirect peer
Description

Residential mortgage originator with retail and wholesale channels offering conventional, government, and non-QM products. Comparable on mortgage product breadth and target borrower segments.

9loanDepot
TypeDirect peer
Description

Direct and wholesale mortgage lender with significant California origination footprint and a multi-channel platform including direct-to-consumer. Comparable in product lineup and regional focus, much larger in scale.

10Paramount Equity (now Paramount Residential Mortgage Group)
TypeDirect peer
Description

California-focused retail mortgage lender offering conventional and specialty products with a direct-to-consumer presence. Comparable on regional California focus and product positioning toward underserved borrower segments.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment2 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature3 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles2 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
Compliance2 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Bayshore Capital

Residential Mortgage Lendingbscap.com

Bayshore Capital is a privately held, California-licensed direct-to-consumer online residential mortgage lender offering purchase, refinance, and second-mortgage products to individual borrowers, operating from Newport Beach, CA.

What Bayshore Capital does

Bayshore Capital is a privately held, California-licensed direct-to-consumer residential mortgage lender headquartered in Newport Beach, California, with an additional mailing address in Costa Mesa. The firm has operated since approximately 2002, originating purchase loans, refinance loans (including cash-out up to 125% loan-to-value), second mortgages, and offering fixed-rate, adjustable-rate, interest-only, jumbo, and conforming rate products. It holds California DRE License #01302874 and NMLS #236482, and its geographic scope is limited to California.

Bayshore Capital firmographics

Firmographics
Name
Bayshore Capital
Legal name
Bayshore Capital
Website
https://bscap.com
Company type
Private
Founded year
2002
Operating status
Operating
Headcount range
1–10 employees
Short description
Bayshore Capital is a privately held, California-licensed direct-to-consumer online residential mortgage lender offering purchase, refinance, and second-mortgage products to individual borrowers, operating from Newport Beach, CA.
Ownership category
akta.pro rank

Where Bayshore Capital is headquartered

Location

Headquarters

HQ city
Newport Beach
HQ country
United States
HQ region
North America

Offices2 records

Markets served

Bayshore Capital business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

  1. Mortgage Lending: Bayshore Capital generates revenue through originating mortgage loans including purchase loans, refinance loans, and second mortgages. The company operates as a direct lender, earning interest income and fees on originated loans. They offer products including 15 and 30 year fixed-rate loans, adjustable rate loans, and interest-only loans.

Pricing tiers

ModelBillingPrice
Transaction based/ take ratePay-as-you-goDirect lending with no broker fees

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Bayshore Capital product offering

Product offering

Core offering

Bayshore Capital is a California-based direct-to-consumer mortgage lender that originates residential mortgage loans including new purchase loans, refinance loans, second mortgages, fixed-rate and adjustable-rate loans, and interest-only loans. The company operates an online application and processing platform that enables borrowers to apply, upload documentation, and track loan status without broker intermediaries.

Product overview

Bayshore Capital is a full-service mortgage company offering a portfolio of loan products centered on residential mortgage financing. The core product lineup includes New Purchase Loans (15 and 30 Year Fixed-Rate options), Refinance Loans (including cash-out up to 125% LTV), 2nd Mortgages, Adjustable Rate Loans, Interest Only Loans, and specialty rate categories (Jumbo and Conforming). These products are complemented by a suite of online mortgage tools including a Should I Refi? calculator, Monthly Payments calculator, and Amortization calculator, all accessible through an online application portal. The company positions itself as a direct-to-consumer lender bypassing brokers, with California DRE License #01302874 and NMLS #236482.

Differentiator

Problem solved

Functional benefit

Companies that use Bayshore Capital

Customer profile

Segments2 records

Ideal customer profiles2 records

Bayshore Capital technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Bayshore Capital partnerships and signals

Strategic signal

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Bayshore Capital competitors and assessment

Company assessment

Direct peers

  • NewRez (New Residential Mortgage): National direct and wholesale mortgage lender offering conventional, government, and specialty products with significant California origination. Comparable on product range and direct-to-consumer focus.
  • Movement Mortgage: Retail mortgage lender with strong branch and direct channels, operating in California and other states. Comparable on consumer mortgage origination and multi-product offerings.
  • Better.com: Digital-first direct mortgage lender with fully online application, underwriting, and closing. Highly comparable on direct-to-consumer distribution and product breadth, though operating at vastly greater scale.
  • Rocket Mortgage: Largest US direct-to-consumer online mortgage lender offering purchase, refinance, and HELOC products with an end-to-end digital experience. Comparable to Bayshore on channel model and product set, but orders of magnitude larger in volume and technology investment.
  • Guild Mortgage: Retail-focused mortgage lender with strong California presence and full product suite including purchase, refinance, and government loans. Comparable on product breadth and California-centric retail distribution.
  • Caliber Home Loans: Residential mortgage originator with retail and wholesale channels offering conventional, government, and non-QM products. Comparable on mortgage product breadth and target borrower segments.
  • loanDepot: Direct and wholesale mortgage lender with significant California origination footprint and a multi-channel platform including direct-to-consumer. Comparable in product lineup and regional focus, much larger in scale.
  • Paramount Equity (now Paramount Residential Mortgage Group): California-focused retail mortgage lender offering conventional and specialty products with a direct-to-consumer presence. Comparable on regional California focus and product positioning toward underserved borrower segments.

Broad incumbents

  • PennyMac Loan Services: Large national mortgage lender and servicer with direct-to-consumer, broker, and correspondent channels. Comparable on product set though much broader and operationally diversified into servicing.
  • UWM (United Wholesale Mortgage): Largest US wholesale mortgage lender with a deep broker network and aggressive technology investments. Comparable on mortgage product range though distributed via wholesale rather than direct channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Bayshore Capital compliance and trust

Trust signal

Compliance2 records

Bayshore Capital financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Bayshore Capital leadership team

Management profile

Number of profiles

Profiles2 records

Bayshore Capital funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Bayshore Capital M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bayshore Capital

What does Bayshore Capital do?

Bayshore Capital is a California-based direct-to-consumer mortgage lender that originates residential mortgage loans including new purchase loans, refinance loans, second mortgages, fixed-rate and adjustable-rate loans, and interest-only loans. The company operates an online application and processing platform that enables borrowers to apply, upload documentation, and track loan status without broker intermediaries.

Is Bayshore Capital a public or private company?

Bayshore Capital is a private company. It is classified as unknown and is currently operating.

When was Bayshore Capital founded?

Bayshore Capital was founded in 2002. It employs 1 to 10 people.

Where is Bayshore Capital based?

Bayshore Capital is headquartered in Newport Beach, United States, in the North America region.

How does Bayshore Capital make money?

One revenue line is on record: mortgage Lending.

Who are Bayshore Capital's main competitors?

Direct peers on record are NewRez (New Residential Mortgage), Movement Mortgage, Better.com, Rocket Mortgage, Guild Mortgage, Caliber Home Loans, loanDepot and Paramount Equity (now Paramount Residential Mortgage Group). Broad incumbents are PennyMac Loan Services and UWM (United Wholesale Mortgage).

Does Bayshore Capital have an API?

No public API is recorded for Bayshore Capital.

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