Bayshore Mortgage Funding Rates, Fees & Info
BALTIMORE, MDLEI: 549300PEWJWBNEOSS013
Tax ID: 52-2304304
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Mortgage Data
Review & Overview
Bayshore Mortgage Funding is a smaller mortgage company specializing in Home Purchase 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: Cincinnati, Baltimore, Sebastian, Philadelphia, and Washington among others. We have data for 179 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 a high 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 relatively high 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.98% | 5/28/23 |
| 30 Year Conventional Refi | 6.76% | 5/28/23 |
| 30 Year Cash-out Refi | 6.93% | 5/28/23 |
| 30 Year FHA Purchase | 7.72% | 5/28/23 |
| 30 Year FHA Refi | 7.53% | 5/28/23 |
| 30 Year VA Purchase | 6.58% | 5/28/23 |
| 30 Year VA Refi | 5.96% | 5/28/23 |
| 30 Year USDA Purchase | 7.26% | 5/28/23 |
| 30 Year USDA Refi | 6.33% | 5/28/23 |
| 15 Year Conventional Purchase | 6.31% | 5/28/23 |
| 15 Year Conventional Refi | 6.45% | 5/28/23 |
| 15 Year Cash-out Refi | 6.45% | 5/28/23 |
| 15 Year FHA Purchase | 7.76% | 5/28/23 |
| 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. | ||
Bayshore Mortgage Funding Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Bayshore Mortgage Funding. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,465Origination Dollar Volume (All Markets)
$402,955,000Awards
BAYSHORE MORTGAGE FUNDING - 2022
BAYSHORE MORTGAGE FUNDING is a 2022 , due to their low .
For 2022, 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
5.28%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.52%.
Relative Fees (Closing Costs)
Bayshore Mortgage Funding's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,568.
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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 316 | $70,930,000 | $224,462 | $6,990 | 5.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 141 | $43,295,000 | $307,057 | $8,384 | 5.05% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 124 | $37,560,000 | $302,903 | $8,834 | 5.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 96 | $29,210,000 | $304,271 | $7,602 | 4.55% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 65 | $26,855,000 | $413,154 | $12,060 | 5.06% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 58 | $23,300,000 | $401,724 | $9,107 | 4.73% |
| Outside of Metro Areas | 48 | $11,470,000 | $238,958 | $8,104 | 5.46% |
| COLUMBUS, OH (FHA|USDA|VA) | 32 | $9,300,000 | $290,625 | $10,064 | 5.31% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 23 | $8,825,000 | $383,696 | $10,230 | 4.89% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $7,795,000 | $338,913 | $10,099 | 5.46% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 25 | $7,575,000 | $303,000 | $9,740 | 5.47% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 23 | $7,405,000 | $321,957 | $9,250 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $4,585,000 | $352,692 | $7,930 | 5.51% |
| Portsmouth, OH (FHA|USDA|VA) | 25 | $4,175,000 | $167,000 | $8,010 | 5.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $3,460,000 | $288,333 | $11,011 | 5.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 15 | $3,425,000 | $228,333 | $9,234 | 5.68% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 13 | $3,285,000 | $252,692 | $9,736 | 5.32% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $3,150,000 | $225,000 | $8,456 | 6.39% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 11 | $2,755,000 | $250,455 | $10,219 | 5.15% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,320,000 | $290,000 | $9,267 | 5.19% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $10,699 | 6.14% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $6,631 | 5.82% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $6,955 | 5.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $10,853 | 5.42% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 12 | $1,870,000 | $155,833 | $7,152 | 5.56% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 15 | $1,845,000 | $123,000 | $5,775 | 6.10% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,800,000 | $450,000 | $10,886 | 5.44% |
| READING, PA (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $8,518 | 5.02% |
| DECATUR, AL (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $7,291 | 6.36% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 12 | $1,610,000 | $134,167 | $4,544 | 5.86% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $5,249 | 6.46% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $13,870 | 5.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $15,086 | 4.19% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $13,069 | 5.29% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $7,289 | 3.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $13,057 | 6.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $4,691 | 5.58% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $9,241 | 6.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $8,164 | 4.72% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $11,673 | 5.54% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $15,046 | 5.47% |
| DOVER, DE (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,132 | 5.48% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,569 | 6.60% |
| MIDLAND, MI (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $8,084 | 5.70% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $12,059 | 6.28% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $13,264 | 5.94% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $13,542 | 4.46% |
| Mount Vernon, OH (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $11,915 | 6.19% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $9,098 | 4.63% |
| MONROE, LA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $8,499 | 5.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $10,373 | 5.19% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,947 | 4.28% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,679 | 5.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $8,598 | 5.34% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $26,038 | 8.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $8,724 | 5.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,078 | 5.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $6,425 | 5.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,699 | 5.46% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $7,788 | 6.21% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $7,671 | 5.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,415 | 4.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $17,858 | 5.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,543 | 3.58% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,524 | 6.13% |
| OCALA, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,647 | 4.38% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $7,970 | 4.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,216 | 7.69% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $11,593 | 5.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,439 | 5.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,667 | 4.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,453 | 5.17% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,827 | 6.21% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,721 | 4.44% |
| RACINE, WI (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $16,594 | 6.25% |
| Wilmington, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,834 | 5.19% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,254 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,493 | 5.44% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $21,369 | 7.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,773 | 6.96% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $37,212 | 6.63% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,015 | 6.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $6,321 | 4.09% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $27,783 | 6.25% |
| GADSDEN, AL (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $6,690 | 6.53% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,481 | 4.63% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,434 | 4.08% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $8,345 | 5.79% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,040 | 5.56% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,575 | 3.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $14,863 | 5.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,199 | 5.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,538 | 3.06% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,221 | 6.13% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $5,086 | 5.96% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,064 | 5.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,959 | 5.63% |
| KOKOMO, IN (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $5,929 | 4.46% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,999 | 6.50% |
| SAGINAW, MI (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,949 | 6.58% |
| ERIE, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $17,127 | 3.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,600 | 6.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,187 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,877 | 5.88% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,110 | 6.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,426 | 4.75% |
| Fremont, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,277 | 5.81% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,677 | 4.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,785 | 5.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,253 | 6.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,929 | 5.50% |
| Minden, LA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,668 | 4.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,179 | 3.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,032 | 6.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,739 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,124 | 5.13% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,401 | 4.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,889 | 6.13% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,658 | 6.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,179 | 4.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,714 | 7.25% |
| Danville, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $17,507 | 7.38% |
| North Vernon, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,203 | 4.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,430 | 3.50% |
| West Plains, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,361 | 5.13% |
| TULSA, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,379 | 4.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,297 | 6.13% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,781 | 4.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,723 | 6.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,784 | 4.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,345 | 5.63% |
| London, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,974 | 6.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,305 | 5.50% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,179 | 6.88% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,768 | 3.50% |
| Picayune, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,350 | 3.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,037 | 5.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,069 | 4.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,802 | 5.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,271 | 6.75% |
| Marietta, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,217 | 7.13% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,995 | 7.50% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,316 | 4.38% |
| Dublin, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,021 | 6.13% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,410 | 6.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,946 | 5.63% |
| Somerset, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,601 | 4.63% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,879 | 5.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,418 | 5.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,430 | 5.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,055 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,838 | 7.63% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,222 | 5.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,161 | 5.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,896 | 2.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,933 | 5.25% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,177 | 5.63% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,489 | 5.13% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,799 | 5.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,223 | 8.75% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,585 | 8.25% |
| Seymour, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,862 | 5.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.75% |
| Henderson, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,081 | 4.13% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,808 | 5.38% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,357 | 6.13% |
| Brevard, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,710 | 6.63% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,154 | 6.13% |
| West Point, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,312 | 4.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.13% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,803 | 6.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,266 | 5.50% |
| Troy, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,651 | 7.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,812 | 3.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,132 | 5.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,330 | 3.63% |
| Atmore, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,222 | 5.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against BAYSHORE MORTGAGE FUNDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Bayshore Mortgage Funding's most frequently originated type of loan was Conventional, with 886 originations. Their 2nd most popular type was FHA, with 411 originations.
Loan Reason
For 2022, Bayshore Mortgage Funding's most frequently cited loan purpose was Home Purchase, with 1,169 originations. The 2nd most popular reason was Cash Out Refi, with 233 originations.
Loan Duration/Length
For 2022, Bayshore Mortgage Funding's most frequently cited loan duration was 30 Year, with 1,402 originations. The 2nd most popular length was 15 Year, with 37 originations.
Origination Fees/Closing Costs
Bayshore Mortgage Funding's average total fees were $8,568, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 394 originations.
Interest Rates
During 2022, Bayshore Mortgage Funding's average interest rate for loans was 5.28%, while their most frequently originated rate bucket for loans was 5-6%, with 482 originations.
Loan Sizing
2022 saw Bayshore Mortgage Funding place emphasis on $200k-400k loans with 705 originations, totaling $200,405,000 in origination value.
Applicant Income
Bayshore Mortgage Funding lent most frequently to those with incomes in the $50k-75k range, with 382 originations. The second most popular income band? $100k-150k, with 317 originations.
Applicant Debt to Income Ratio
Bayshore Mortgage Funding lent most frequently to those with DTI ratios of 30-36%, with 207 originations. The next most common DTI ratio? 20-30%, with 183 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.01%
Bayshore Mortgage Funding has an average approval rate.
Pick Rate
Approvals leading to origination65.87%
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 | 1,465 | $402,955,000 | $275,055 |