The Bay Bancorporation is a mortgage from Bay Bancorporation. The ongoing APR is 15 year fixed 7.625% 7.740%; 20 year fixed 7.875% 7.969%; 30 year fixed 8.125% 8.199%. Typical credit limit: Minimum 5.00% Down Payment; based on a $150,000 loan. Loan terms: 15, 20, 30 years.