Bayshore Mortgage Funding Rates, Fees & Info

BALTIMORE, MD

LEI: 549300PEWJWBNEOSS013

Tax ID: 52-2304304

3.6 stars - out of 5 stars, based on 56 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Bayshore Mortgage Funding is a smaller mortgage company specializing in Home Purchase and Refi loans. Bayshore Mortgage Funding has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Philadelphia, Cincinnati, New York, Baltimore, and Washington among others. Bayshore Mortgage Funding has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bayshore Mortgage Funding is typically a high fee lendor.


Originations

3,091

Origination Dollar Volume (All Markets)

$813,535,000

Awards

BAYSHORE MORTGAGE FUNDING  VA Loans bronze BAYSHORE MORTGAGE FUNDING  30 Year Conventional Loans silver BAYSHORE MORTGAGE FUNDING  VA Loans gold BAYSHORE MORTGAGE FUNDING  FHA Loans silver
Show all (4) awards

Relative Rate

Bayshore Mortgage Funding 's average 30 year fixed rate mortgage of loans were 3.19%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.04%.

Relative Fees

Bayshore Mortgage Funding 's average total fees for a 30 year fixed rate mortgage are $6,025.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 353 $98,485,000 $278,994 $5,786 3.14%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 476 $95,750,000 $201,155 $5,001 3.25%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 211 $84,695,000 $401,398 $5,194 3.11%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 307 $84,115,000 $273,990 $6,034 3.09%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 183 $62,655,000 $342,377 $8,101 3.11%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 188 $50,480,000 $268,511 $5,699 3.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 58 $17,380,000 $299,655 $6,540 3.22%
COLUMBUS, OH (FHA|USDA|VA) 68 $17,210,000 $253,088 $5,852 3.31%
Outside of Metro Areas 68 $13,420,000 $197,353 $6,271 3.46%
PORT ST. LUCIE, FL (FHA|USDA|VA) 44 $11,290,000 $256,591 $6,261 3.14%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 41 $10,185,000 $248,415 $5,366 3.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 35 $9,585,000 $273,857 $4,862 3.17%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 19 $7,875,000 $414,474 $6,531 3.18%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 26 $6,760,000 $260,000 $8,823 3.02%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 22 $6,390,000 $290,455 $6,456 3.18%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $6,060,000 $303,000 $7,671 2.97%
READING, PA (FHA|USDA|VA) 24 $6,010,000 $250,417 $4,705 3.07%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 13 $5,385,000 $414,231 $8,498 3.02%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 20 $4,970,000 $248,500 $5,377 2.92%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 12 $4,840,000 $403,333 $8,792 3.03%
Portsmouth, OH (FHA|USDA|VA) 24 $4,220,000 $175,833 $6,120 3.39%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 26 $4,110,000 $158,077 $6,693 3.52%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $3,920,000 $280,000 $5,979 2.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 14 $3,860,000 $275,714 $5,624 2.73%
SALISBURY, MD-DE (FHA|USDA|VA) 13 $3,765,000 $289,615 $4,980 3.11%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 23 $3,685,000 $160,217 $5,876 3.71%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $3,610,000 $300,833 $5,913 3.06%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 14 $3,330,000 $237,857 $4,439 3.09%
WILMINGTON, NC (FHA|USDA|VA) 8 $3,320,000 $415,000 $5,550 2.97%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 14 $3,310,000 $236,429 $6,143 3.21%
LANCASTER, PA (FHA|USDA|VA) 11 $3,295,000 $299,545 $6,637 3.20%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $3,210,000 $200,625 $4,940 3.30%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $3,060,000 $255,000 $6,773 3.17%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 16 $3,020,000 $188,750 $6,955 3.52%
DAYTON-KETTERING, OH (FHA|USDA|VA) 15 $2,965,000 $197,667 $6,261 3.26%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,935,000 $326,111 $7,638 3.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 10 $2,920,000 $292,000 $7,121 3.28%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 9 $2,875,000 $319,444 $4,772 2.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,830,000 $283,000 $6,628 3.34%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $2,665,000 $380,714 $8,638 2.93%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,600,000 $216,667 $4,212 3.07%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,565,000 $366,429 $5,332 2.52%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 9 $2,535,000 $281,667 $4,608 3.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 13 $2,435,000 $187,308 $6,451 3.31%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,410,000 $602,500 $4,759 2.81%
HUNTSVILLE, AL (FHA|USDA|VA) 11 $2,405,000 $218,636 $6,385 3.31%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,085,000 $297,857 $6,508 2.89%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $2,080,000 $208,000 $5,370 3.34%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,015,000 $287,857 $8,963 2.86%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $2,015,000 $183,182 $4,848 3.45%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,985,000 $220,556 $4,383 2.92%
WORCESTER, MA-CT (FHA|USDA|VA) 6 $1,970,000 $328,333 $10,391 2.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,965,000 $393,000 $8,000 3.00%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $1,915,000 $383,000 $6,731 2.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,900,000 $316,667 $4,777 3.02%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $1,785,000 $255,000 $6,092 3.18%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,780,000 $296,667 $6,083 2.96%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 7 $1,725,000 $246,429 $4,958 2.70%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $1,710,000 $213,750 $4,262 3.06%
ASHEVILLE, NC (FHA|USDA|VA) 6 $1,700,000 $283,333 $4,348 3.04%
SALEM, OR (FHA|USDA|VA) 6 $1,590,000 $265,000 $5,907 2.63%
RICHMOND, VA (FHA|USDA|VA) 6 $1,590,000 $265,000 $5,916 2.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 5 $1,585,000 $317,000 $5,587 2.95%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,525,000 $217,857 $4,530 3.30%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $1,510,000 $251,667 $8,853 3.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,505,000 $215,000 $3,665 2.96%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,405,000 $281,000 $8,431 3.23%
Key West, FL (FHA|USDA|VA) 3 $1,395,000 $465,000 $4,957 3.50%
LAFAYETTE, LA (FHA|USDA|VA) 8 $1,390,000 $173,750 $6,233 3.64%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,385,000 $277,000 $5,626 3.38%
MONROE, LA (FHA|USDA|VA) 8 $1,360,000 $170,000 $6,431 3.53%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,325,000 $265,000 $7,603 2.70%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,290,000 $215,000 $6,212 3.19%
ROCKY MOUNT, NC (FHA|USDA|VA) 6 $1,250,000 $208,333 $6,266 3.69%
VALLEJO, CA (FHA|USDA|VA) 3 $1,225,000 $408,333 $8,499 2.83%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,100,000 $275,000 $9,769 3.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,065,000 $355,000 $5,949 2.92%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $1,055,000 $211,000 $6,415 3.08%
Torrington, CT (FHA|USDA|VA) 3 $1,025,000 $341,667 $7,029 2.79%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,015,000 $203,000 $4,462 2.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,331 3.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $995,000 $331,667 $5,633 3.00%
JACKSON, MS (FHA|USDA|VA) 4 $970,000 $242,500 $5,779 3.22%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $965,000 $321,667 $5,891 3.13%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 5 $935,000 $187,000 $5,148 3.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $920,000 $230,000 $6,146 3.19%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $915,000 $305,000 $12,983 3.21%
TUCSON, AZ (FHA|USDA|VA) 2 $910,000 $455,000 $4,668 3.31%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $910,000 $455,000 $5,024 2.88%
GAINESVILLE, GA (FHA|USDA|VA) 3 $865,000 $288,333 $4,406 2.75%
Wilmington, OH (FHA|USDA|VA) 6 $860,000 $143,333 $4,577 3.40%
FLINT, MI (FHA|USDA|VA) 4 $860,000 $215,000 $6,079 3.03%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $840,000 $420,000 $6,448 3.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $835,000 $167,000 $2,747 2.73%
Sandusky, OH (FHA|USDA|VA) 6 $830,000 $138,333 $6,177 3.35%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $825,000 $275,000 $3,060 2.96%
Cullowhee, NC (FHA|USDA|VA) 3 $795,000 $265,000 $6,112 3.33%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $770,000 $192,500 $3,689 3.28%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $770,000 $192,500 $3,243 2.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $770,000 $192,500 $4,658 3.22%
Easton, MD (FHA|USDA|VA) 3 $755,000 $251,667 $7,615 3.17%
GREELEY, CO (FHA|USDA|VA) 2 $740,000 $370,000 $4,547 2.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $740,000 $185,000 $5,644 2.94%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $735,000 $245,000 $5,232 3.42%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $730,000 $365,000 $8,317 3.81%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $710,000 $177,500 $6,601 3.44%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $710,000 $177,500 $3,894 3.25%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $690,000 $345,000 $6,841 3.25%
STOCKTON, CA (FHA|USDA|VA) 2 $680,000 $340,000 $3,254 2.88%
BATON ROUGE, LA (FHA|USDA|VA) 3 $665,000 $221,667 $5,835 3.46%
Forest City, NC (FHA|USDA|VA) 3 $645,000 $215,000 $9,092 3.42%
Urbana, OH (FHA|USDA|VA) 3 $645,000 $215,000 $9,171 3.42%
STAUNTON, VA (FHA|USDA|VA) 3 $645,000 $215,000 $6,816 3.38%
Sevierville, TN (FHA|USDA|VA) 2 $640,000 $320,000 $3,200 2.94%
GETTYSBURG, PA (FHA|USDA|VA) 2 $620,000 $310,000 $13,950 3.13%
KOKOMO, IN (FHA|USDA|VA) 4 $610,000 $152,500 $6,282 3.84%
MERCED, CA (FHA|USDA|VA) 2 $610,000 $305,000 $5,073 3.31%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $600,000 $150,000 $6,797 2.97%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $595,000 $198,333 $5,842 3.21%
MEDFORD, OR (FHA|USDA|VA) 2 $590,000 $295,000 $7,554 2.81%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $585,000 $195,000 $7,736 3.25%
LEBANON, PA (FHA|USDA|VA) 2 $570,000 $285,000 $7,130 3.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $570,000 $285,000 $9,554 2.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $565,000 $188,333 $4,183 2.38%
YUBA CITY, CA (FHA|USDA|VA) 2 $550,000 $275,000 $5,940 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $545,000 $181,667 $7,310 3.29%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $525,000 $175,000 $4,940 3.71%
PITTSBURGH, PA (FHA|USDA|VA) 3 $505,000 $168,333 $6,871 3.08%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $495,000 $165,000 $4,521 3.21%
Wilson, NC (FHA|USDA|VA) 3 $485,000 $161,667 $4,639 3.13%
TOLEDO, OH (FHA|USDA|VA) 3 $475,000 $158,333 $5,475 3.21%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $465,000 $155,000 $3,432 2.67%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $460,000 $230,000 $6,741 3.00%
Chillicothe, OH (FHA|USDA|VA) 2 $450,000 $225,000 $9,052 3.13%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $450,000 $225,000 $4,759 3.50%
Brevard, NC (FHA|USDA|VA) 2 $450,000 $225,000 $8,220 3.50%
SAVANNAH, GA (FHA|USDA|VA) 2 $450,000 $225,000 $3,324 2.88%
MOBILE, AL (FHA|USDA|VA) 2 $440,000 $220,000 $7,666 3.06%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $440,000 $220,000 $5,584 2.94%
BELLINGHAM, WA (FHA|USDA|VA) 2 $430,000 $215,000 $5,686 3.13%
MADISON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $6,778 3.06%
THE VILLAGES, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,926 3.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $415,000 $415,000 $4,505 3.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $410,000 $205,000 $4,295 2.63%
COLUMBIA, SC (FHA|USDA|VA) 2 $410,000 $205,000 $6,432 3.25%
LaGrange, GA-AL (FHA|USDA|VA) 2 $410,000 $205,000 $7,727 4.06%
ROANOKE, VA (FHA|USDA|VA) 2 $410,000 $205,000 $12,095 3.38%
Sidney, OH (FHA|USDA|VA) 2 $400,000 $200,000 $9,635 3.06%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $400,000 $200,000 $7,576 3.44%
MONROE, MI (FHA|USDA|VA) 2 $400,000 $200,000 $4,437 3.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $400,000 $200,000 $8,041 2.56%
FORT WAYNE, IN (FHA|USDA|VA) 2 $380,000 $190,000 $4,749 3.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $3,470 2.88%
GADSDEN, AL (FHA|USDA|VA) 3 $375,000 $125,000 $5,022 3.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $370,000 $185,000 $4,769 3.56%
PUEBLO, CO (FHA|USDA|VA) 2 $370,000 $185,000 $2,055 3.00%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $370,000 $185,000 $8,329 3.13%
SPARTANBURG, SC (FHA|USDA|VA) 1 $365,000 $365,000 $12,684 3.63%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $360,000 $180,000 $4,481 3.63%
Ellensburg, WA (FHA|USDA|VA) 1 $355,000 $355,000 $8,450 2.75%
Norwalk, OH (FHA|USDA|VA) 2 $350,000 $175,000 $6,439 3.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $3,320 2.44%
EL PASO, TX (FHA|USDA|VA) 2 $350,000 $175,000 $2,308 2.31%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $345,000 $345,000 $5,402 3.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $345,000 $345,000 $4,384 3.75%
VISALIA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $5,461 3.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $340,000 $170,000 $4,646 3.06%
Richmond, IN (FHA|USDA|VA) 2 $340,000 $170,000 $5,889 3.25%
OCALA, FL (FHA|USDA|VA) 1 $335,000 $335,000 $14,889 2.75%
LYNCHBURG, VA (FHA|USDA|VA) 2 $330,000 $165,000 $2,558 2.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $325,000 $325,000 $6,678 3.50%
Ashtabula, OH (FHA|USDA|VA) 1 $325,000 $325,000 $4,929 2.38%
DECATUR, AL (FHA|USDA|VA) 2 $320,000 $160,000 $5,951 3.88%
Prineville, OR (FHA|USDA|VA) 1 $315,000 $315,000 $14,585 3.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $315,000 $315,000 $2,190 2.88%
BEND, OR (FHA|USDA|VA) 1 $315,000 $315,000 $9,319 3.63%
London, KY (FHA|USDA|VA) 1 $305,000 $305,000 $12,648 3.25%
Farmington, MO (FHA|USDA|VA) 1 $305,000 $305,000 $6,630 3.63%
Gaffney, SC (FHA|USDA|VA) 1 $295,000 $295,000 $14,334 3.25%
Seymour, IN (FHA|USDA|VA) 1 $295,000 $295,000 $10,818 3.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $290,000 $145,000 $2,850 2.50%
Centralia, WA (FHA|USDA|VA) 1 $285,000 $285,000 $2,573 2.88%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $285,000 $285,000 $2,574 2.38%
Troy, AL (FHA|USDA|VA) 1 $285,000 $285,000 $9,044 3.75%
TULSA, OK (FHA|USDA|VA) 2 $280,000 $140,000 $2,456 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $275,000 $275,000 $9,649 3.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $12,054 2.88%
BRUNSWICK, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,098 3.00%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $275,000 $275,000 $12,059 3.13%
CHICO, CA (FHA|USDA|VA) 2 $270,000 $135,000 $3,187 2.81%
Marion, OH (FHA|USDA|VA) 2 $270,000 $135,000 $7,568 3.19%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,507 2.99%
Traverse City, MI (FHA|USDA|VA) 1 $265,000 $265,000 $5,269 3.50%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,087 2.88%
Pullman, WA (FHA|USDA|VA) 1 $255,000 $255,000 $6,142 3.00%
Marion, IN (FHA|USDA|VA) 2 $250,000 $125,000 $5,091 3.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $235,000 $235,000 $11,346 2.75%
Okeechobee, FL (FHA|USDA|VA) 1 $235,000 $235,000 $5,233 3.00%
BOULDER, CO (FHA|USDA|VA) 1 $235,000 $235,000 $2,852 2.63%
Bluefield, WV-VA (FHA|USDA|VA) 1 $235,000 $235,000 $3,234 2.88%
Marion, NC (FHA|USDA|VA) 1 $235,000 $235,000 $7,734 3.50%
Shelton, WA (FHA|USDA|VA) 1 $235,000 $235,000 $4,011 2.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,295 3.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $235,000 $235,000 $5,482 2.88%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,350 2.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,052 4.13%
Murray, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,868 3.00%
WENATCHEE, WA (FHA|USDA|VA) 1 $225,000 $225,000 $12,074 2.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $5,589 2.75%
GRANTS PASS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $10,399 2.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,234 2.38%
GOLDSBORO, NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,345 2.50%
Jefferson, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,164 2.75%
MODESTO, CA (FHA|USDA|VA) 1 $215,000 $215,000 $5,995 3.88%
Corinth, MS (FHA|USDA|VA) 1 $215,000 $215,000 $7,580 3.00%
Jasper, AL (FHA|USDA|VA) 2 $210,000 $105,000 $5,823 4.19%
SAGINAW, MI (FHA|USDA|VA) 2 $210,000 $105,000 $5,313 3.50%
NEW BERN, NC (FHA|USDA|VA) 2 $210,000 $105,000 $3,489 3.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $205,000 $205,000 $7,609 2.25%
Maysville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $4,434 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $10,205 3.50%
Newport, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,707 3.63%
Henderson, NC (FHA|USDA|VA) 1 $205,000 $205,000 $7,923 4.38%
Bartlesville, OK (FHA|USDA|VA) 2 $200,000 $100,000 $5,953 3.56%
Jackson, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,359 3.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $195,000 $195,000 $6,634 2.75%
LIMA, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,071 3.25%
HINESVILLE, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,210 2.50%
Scottsburg, IN (FHA|USDA|VA) 1 $195,000 $195,000 $7,544 4.25%
APPLETON, WI (FHA|USDA|VA) 1 $195,000 $195,000 $1,217 2.75%
West Plains, MO (FHA|USDA|VA) 1 $195,000 $195,000 $3,132 2.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,965 2.38%
Paducah, KY-IL (FHA|USDA|VA) 2 $190,000 $95,000 $5,651 3.50%
Somerset, KY (FHA|USDA|VA) 1 $185,000 $185,000 $7,204 3.75%
COLUMBIA, MO (FHA|USDA|VA) 1 $185,000 $185,000 $7,997 3.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $7,572 2.63%
Lawrenceburg, TN (FHA|USDA|VA) 1 $175,000 $175,000 $9,946 2.25%
VALDOSTA, GA (FHA|USDA|VA) 1 $175,000 $175,000 $7,341 2.88%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,782 3.38%
New Castle, IN (FHA|USDA|VA) 1 $175,000 $175,000 $3,458 3.63%
Cambridge, MD (FHA|USDA|VA) 1 $165,000 $165,000 $6,795 3.13%
North Wilkesboro, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,845 3.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $165,000 $165,000 $7,496 3.63%
GREEN BAY, WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,508 3.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $165,000 $165,000 $1,988 2.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,092 3.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $165,000 $165,000 $7,849 3.88%
SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $6,696 3.50%
Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $5,361 3.25%
AKRON, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,576 2.63%
Mayfield, KY (FHA|USDA|VA) 1 $155,000 $155,000 $6,816 3.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,299 3.13%
Fort Polk South, LA (FHA|USDA|VA) 1 $145,000 $145,000 $7,582 4.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,105 2.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $145,000 $145,000 $8,331 4.63%
Alma, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,351 3.75%
JACKSON, MI (FHA|USDA|VA) 1 $145,000 $145,000 $4,179 4.50%
Kennett, MO (FHA|USDA|VA) 1 $145,000 $145,000 $5,341 3.50%
Frankfort, KY (FHA|USDA|VA) 1 $145,000 $145,000 $6,425 3.75%
VICTORIA, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,550 2.75%
Coshocton, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,339 3.88%
Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $6,918 2.88%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,067 2.88%
Washington Court House, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,843 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,717 2.75%
JACKSON, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,654 3.50%
Sanford, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,904 3.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $3,278 3.25%
Shelby, NC (FHA|USDA|VA) 1 $125,000 $125,000 $7,198 4.25%
Celina, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,256 3.88%
Ludington, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,978 3.38%
Pottsville, PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,258 3.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $125,000 $125,000 $4,681 3.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,417 3.38%
Fremont, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,570 2.88%
LONGVIEW, WA (FHA|USDA|VA) 1 $115,000 $115,000 $4,275 2.88%
PEORIA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,827 3.25%
Wauchula, FL (FHA|USDA|VA) 1 $105,000 $105,000 $5,118 3.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,590 3.75%
HAMMOND, LA (FHA|USDA|VA) 1 $95,000 $95,000 $6,599 4.25%
Morgan City, LA (FHA|USDA|VA) 1 $85,000 $85,000 $6,478 4.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $85,000 $85,000 $4,803 3.88%
Altus, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,684 3.13%
Big Stone Gap, VA (FHA|USDA|VA) 1 $75,000 $75,000 $4,999 3.38%
BAY CITY, MI (FHA|USDA|VA) 1 $75,000 $75,000 $4,525 2.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,339 3.00%
Middlesborough, KY (FHA|USDA|VA) 1 $75,000 $75,000 $3,293 3.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,610 4.38%
Sterling, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,462 3.25%

Bayshore Mortgage Funding 's top markets include Philadelphia, Cincinnati, New York, Baltimore, and Washington among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,919 $527,845,000 $275,063 $4,723 3.18%
FHA 740 $174,380,000 $235,649 $8,694 3.27%
VA 365 $99,885,000 $273,658 $6,422 2.83%
USDA 67 $11,425,000 $170,522 $5,867 3.40%

For the 2021 period, Bayshore Mortgage Funding 's most frequently originated loan type of loans were Conventional, with 1,919 originations. Their 2nd most popular type is FHA, with 740 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,647 $428,405,000 $260,112 $6,368 3.29%
Refi 1,176 $316,830,000 $269,413 $5,185 2.97%
Cash Out Refi 268 $68,300,000 $254,851 $6,183 3.23%

For the 2021, Bayshore Mortgage Funding 's most frequently cited loan purpose of loans were Home Purchase, with 1,647 originations. The 2nd most popular reason of loans were Refi, with 1,176 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,844 $755,050,000 $265,489 $6,025 3.19%
15 Year 136 $32,430,000 $238,456 $4,130 2.75%
20 Year 62 $15,600,000 $251,613 $4,974 3.01%
Other 40 $9,180,000 $229,500 $5,125 2.96%
10 Year 9 $1,275,000 $141,667 $3,477 2.61%

For the 2021, Bayshore Mortgage Funding 's most frequently cited loan length of loans were 30 Year, with 2,844 originations. The 2nd most popular length of loans were 15 Year, with 136 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,528 $372,600,000 $243,848
$<1k 489 $154,545,000 $316,043
$2k-3k 411 $93,745,000 $228,090
$3k-4k 400 $102,600,000 $256,500
$5k+ 260 $89,290,000 $343,423

$6,025 of loans were Bayshore Mortgage Funding 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,528 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,694 $432,420,000 $255,266
2.5-3% 992 $281,180,000 $283,448
<2.5% 280 $76,170,000 $272,036
4-5% 125 $23,765,000 $190,120

During 2021, Bayshore Mortgage Funding 's average interest rate of loans were 3.19%, while their most frequently originated rate bucket of loans were 3-4%, with 1,694 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,587 $442,475,000 $278,812 $6,345 3.13%
$100k-200k 954 $148,630,000 $155,797 $4,779 3.23%
$400k-600k 378 $181,380,000 $479,841 $7,234 3.05%
$100,000 or less 133 $10,715,000 $80,564 $4,029 3.46%
$600k-1MM 36 $26,420,000 $733,889 $8,879 3.16%
$1MM+ 3 $3,915,000 $1,305,000 $7,115 2.92%

2021 saw Bayshore Mortgage Funding place emphasis on $200k-400k loans with 1,587 originations, totaling $442,475,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 718 $161,130,000 $224,415 $6,017 3.23%
$100k-150k 559 $168,525,000 $301,476 $6,309 3.19%
$50k or less 542 $88,700,000 $163,653 $5,317 3.21%
$75k-100k 508 $134,490,000 $264,744 $6,644 3.21%
$150k-250k 385 $143,435,000 $372,558 $6,190 3.16%
$250k+ 110 $48,140,000 $437,636 $5,572 3.20%

Bayshore Mortgage Funding lent most frequently to those with incomes in the $50k-75k range, with 718 originations. The second most popular income band? $100k-150k, with 559 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 536 $142,690,000 $266,213 $5,569 3.20%
20-30% 511 $134,685,000 $263,571 $5,127 3.13%
50-60% 209 $55,255,000 $264,378 $9,477 3.18%
<20% 161 $44,115,000 $274,006 $4,690 3.12%
43% 133 $33,275,000 $250,188 $6,282 3.26%
44% 125 $31,805,000 $254,440 $6,493 3.30%
42% 124 $33,090,000 $266,855 $6,286 3.27%
40% 110 $30,130,000 $273,909 $5,886 3.23%
41% 109 $28,445,000 $260,963 $6,030 3.31%
45% 102 $25,680,000 $251,765 $6,365 3.31%
39% 100 $27,250,000 $272,500 $6,072 3.25%
38% 99 $25,615,000 $258,737 $5,844 3.26%
37% 95 $25,735,000 $270,895 $5,875 3.28%
49% 91 $26,855,000 $295,110 $6,425 3.25%
36% 87 $22,575,000 $259,483 $5,344 3.17%
48% 74 $19,290,000 $260,676 $7,312 3.27%
47% 73 $18,985,000 $260,068 $6,397 3.28%
46% 69 $18,065,000 $261,812 $7,546 3.20%
>60% 2 $800,000 $400,000 $5,849 2.81%

Bayshore Mortgage Funding lent most frequently to those with DTI ratios of 30-36%, with 536 originations. The next most common DTI ratio? 20-30%, with 511 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,439 $645,045,000 $264,471 $5,700 3.15%
Black 369 $93,265,000 $252,751 $7,324 3.25%
Not provided 167 $42,895,000 $256,856 $5,606 3.17%
Asian 89 $26,825,000 $301,404 $6,016 3.17%
American Indian 16 $2,850,000 $178,125 $5,262 3.66%
Native Hawaiian 11 $2,655,000 $241,364 $7,425 3.08%

Approval Rates

Total approvals of all applications
96.07%

Bayshore Mortgage Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
70.42%

Bayshore Mortgage Funding has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 3,091 $813,535,000 $263,195

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,091 $813,535,000 $263,195

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 63 $12,325,000 $195,635 $3,873 3.02%
40-60% 231 $57,805,000 $250,238 $4,110 2.98%
60-80% 999 $278,175,000 $278,453 $5,271 3.15%
80-100% 1,733 $446,135,000 $257,435 $6,421 3.21%
Over 100% 62 $18,810,000 $303,387 $10,290 3.06%
Under 20% 3 $285,000 $95,000 $3,554 2.75%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
BAYSHORE MORTGAGE FUNDING, LLC Conventional home mortgage Trouble during payment process 1 100.0%