Bayshore Mortgage Funding Rates, Fees & Info
BALTIMORE, MDLEI: 549300PEWJWBNEOSS013
Tax ID: 52-2304304
3.6 stars
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & 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 by origination volume include: Philadelphia, Cincinnati, New York, Baltimore, and Washington among others. We have data for 289 markets. (Some data included below & more in-depth data is available with an active subscription.)Bayshore Mortgage Funding has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bayshore Mortgage Funding is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.14% | 12/4/22 |
| 30 Year Conventional Refi | 6.90% | 12/4/22 |
| 30 Year Cash-out Refi | 7.03% | 12/4/22 |
| 30 Year FHA Purchase | 8.04% | 12/4/22 |
| 30 Year FHA Refi | 7.54% | 12/4/22 |
| 30 Year VA Purchase | 7.04% | 12/4/22 |
| 30 Year VA Refi | 6.39% | 12/4/22 |
| 30 Year USDA Purchase | 7.60% | 12/4/22 |
| 30 Year USDA Refi | 6.94% | 12/4/22 |
| 15 Year Conventional Purchase | 6.18% | 12/4/22 |
| 15 Year Conventional Refi | 6.22% | 12/4/22 |
| 15 Year Cash-out Refi | 6.22% | 12/4/22 |
| 15 Year FHA Purchase | 6.63% | 12/4/22 |
| 15 Year FHA Refi | 7.52% | 12/4/22 |
| 15 Year VA Refi | 6.04% | 12/4/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
3,091Origination Dollar Volume (All Markets)
$813,535,000Awards
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BAYSHORE MORTGAGE FUNDING - 2021
BAYSHORE MORTGAGE FUNDING is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Bayshore Mortgage Funding's average 30 year fixed mortgage rate was
3.19%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.04%.
Relative Fees (Closing Costs)
Bayshore Mortgage Funding's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,025.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| 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% |
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Product Mix
For 2021, Bayshore Mortgage Funding's most frequently originated type of loan was Conventional, with 1,919 originations. Their 2nd most popular type was FHA, with 740 originations.
Loan Reason
For 2021, Bayshore Mortgage Funding's most frequently cited loan purpose was Home Purchase, with 1,647 originations. The 2nd most popular reason was Refi, with 1,176 originations.
Loan Duration/Length
For 2021, Bayshore Mortgage Funding's most frequently cited loan duration was 30 Year, with 2,844 originations. The 2nd most popular length was 15 Year, with 136 originations.
Origination Fees/Closing Costs
Bayshore Mortgage Funding's average total fees were $6,025, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 1,694 originations.
Loan Sizing
2021 saw Bayshore Mortgage Funding place emphasis on $200k-400k loans with 1,587 originations, totaling $442,475,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications95.90%
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 origination68.52%
Bayshore Mortgage Funding has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,091 | $813,535,000 | $263,195 |
LTV Distribution
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% |
