Residential Mortgage:

	Key Rates
	Online Forms
	Employee Directory

Employee Directory

Name	Title	Phone Number	Email Address
Steve Creel	Mortgage Lending Specialist	850-819-9381	screel@baybankandtrust.com

Please send mail to mmanning@baybankandtrust.com with questions or comments about this web site. Security Statement.

Bay Bank & Trust Co lends in Bay County and contiguous counties.
Loan applications outside of Bay, Calhoun, Gulf, Jackson, Walton or
Washington County will not be processed.

All loans provided by our residential mortgage department are through the secondary market. For more information contact our residential mortgage department at (850) 784-2335.