Bayshore Mortgage Funding Rates, Fees & Info

BALTIMORE, MD

LEI: 549300PEWJWBNEOSS013

Tax ID: 52-2304304

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Bayshore Mortgage Funding is a smaller mortgage company specializing in 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: New York, Philadelphia, Cincinnati, Baltimore, and Washington among others. We have data for 242 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 low 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.

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% 3/28/24
30 Year Conventional Refi 6.76% 3/28/24
30 Year Cash-out Refi 6.93% 3/28/24
30 Year FHA Purchase 7.72% 3/28/24
30 Year FHA Refi 7.53% 3/28/24
30 Year VA Purchase 6.58% 3/28/24
30 Year VA Refi 5.96% 3/28/24
30 Year USDA Purchase 7.26% 3/28/24
30 Year USDA Refi 6.33% 3/28/24
15 Year Conventional Purchase 6.31% 3/28/24
15 Year Conventional Refi 6.45% 3/28/24
15 Year Cash-out Refi 6.45% 3/28/24
15 Year FHA Purchase 7.76% 3/28/24
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

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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

2,189

Origination Dollar Volume (All Markets)

$568,925,000
Show all (25) awards

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 194 $66,010,000 $340,258 $3,842 2.95%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 205 $54,005,000 $263,439 $4,375 2.94%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 270 $53,470,000 $198,037 $3,906 3.27%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 154 $40,760,000 $264,675 $4,611 3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 121 $39,505,000 $326,488 $5,647 3.16%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 86 $27,930,000 $324,767 $4,395 3.03%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 65 $16,065,000 $247,154 $4,943 3.06%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 65 $13,535,000 $208,231 $4,501 3.09%
COLUMBUS, OH (FHA|USDA|VA) 44 $10,550,000 $239,773 $4,575 3.31%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 27 $10,545,000 $390,556 $5,387 2.95%
Outside of Metro Areas 51 $9,705,000 $190,294 $4,388 3.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 24 $8,040,000 $335,000 $3,830 2.78%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 20 $6,110,000 $305,500 $3,956 2.79%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $5,570,000 $278,500 $3,870 2.89%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 21 $5,295,000 $252,143 $4,346 2.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 16 $5,250,000 $328,125 $4,261 2.84%
RALEIGH-CARY, NC (FHA|USDA|VA) 21 $5,025,000 $239,286 $3,662 3.07%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 19 $4,795,000 $252,368 $4,163 2.85%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 17 $4,615,000 $271,471 $4,898 2.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $4,305,000 $226,579 $5,649 3.51%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 10 $3,970,000 $397,000 $5,592 3.16%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $3,910,000 $391,000 $5,252 3.08%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $3,490,000 $290,833 $5,631 3.05%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $3,440,000 $286,667 $5,248 3.10%
OKLAHOMA CITY, OK (FHA|USDA|VA) 14 $3,360,000 $240,000 $4,409 2.96%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $3,315,000 $255,000 $3,204 2.86%
WORCESTER, MA-CT (FHA|USDA|VA) 8 $2,900,000 $362,500 $4,844 2.97%
PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $2,890,000 $240,833 $4,531 3.43%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $2,880,000 $205,714 $4,053 2.99%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 14 $2,740,000 $195,714 $4,493 3.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $2,675,000 $205,769 $4,883 3.87%
RICHMOND, VA (FHA|USDA|VA) 11 $2,615,000 $237,727 $4,248 3.28%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $2,395,000 $266,111 $6,147 3.60%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $2,390,000 $239,000 $4,210 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $2,360,000 $196,667 $3,480 3.13%
VALLEJO, CA (FHA|USDA|VA) 6 $2,310,000 $385,000 $6,521 3.14%
LOUISVILLE, KY (FHA|USDA|VA) 9 $2,165,000 $240,556 $3,340 2.71%
DAYTON-KETTERING, OH (FHA|USDA|VA) 9 $2,135,000 $237,222 $3,524 3.28%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $2,080,000 $260,000 $3,164 2.98%
ST. LOUIS, MO-IL (FHA|USDA|VA) 10 $2,030,000 $203,000 $2,338 2.66%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $1,920,000 $320,000 $8,006 3.04%
READING, PA (FHA|USDA|VA) 11 $1,905,000 $173,182 $4,207 2.82%
BELLINGHAM, WA (FHA|USDA|VA) 6 $1,890,000 $315,000 $5,781 3.19%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $1,840,000 $230,000 $3,568 2.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $1,800,000 $450,000 $8,516 3.31%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $1,780,000 $445,000 $5,289 2.91%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,750,000 $291,667 $5,803 3.04%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,806 3.42%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $1,735,000 $247,857 $4,631 3.18%
MEDFORD, OR (FHA|USDA|VA) 7 $1,685,000 $240,714 $3,861 2.86%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,675,000 $239,286 $4,777 3.18%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,620,000 $270,000 $3,981 2.73%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,555,000 $222,143 $3,364 3.20%
GREELEY, CO (FHA|USDA|VA) 6 $1,550,000 $258,333 $7,068 2.98%
SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,069 2.73%
LONGVIEW, WA (FHA|USDA|VA) 6 $1,420,000 $236,667 $3,513 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,405,000 $200,714 $3,757 2.96%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,395,000 $279,000 $3,421 2.90%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,408 2.93%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 7 $1,335,000 $190,714 $3,745 2.75%
FRESNO, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,586 2.78%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 8 $1,320,000 $165,000 $2,488 2.98%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,320,000 $330,000 $6,067 2.50%
PITTSBURGH, PA (FHA|USDA|VA) 6 $1,290,000 $215,000 $4,001 3.08%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,054 2.93%
MONTGOMERY, AL (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,789 2.65%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,260,000 $210,000 $4,160 2.98%
Shelton, WA (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,468 3.10%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,225,000 $245,000 $2,691 2.90%
Aberdeen, WA (FHA|USDA|VA) 5 $1,205,000 $241,000 $3,829 2.90%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,205,000 $241,000 $3,374 2.90%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,195,000 $398,333 $5,335 3.17%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,350 2.97%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,175,000 $235,000 $3,558 3.10%
SALEM, OR (FHA|USDA|VA) 6 $1,140,000 $190,000 $4,130 3.54%
MODESTO, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $8,140 2.58%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,916 3.85%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,514 2.69%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,045,000 $348,333 $5,495 3.25%
NEW BERN, NC (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,713 3.55%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,040,000 $173,333 $3,716 3.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,999 3.63%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,007 2.59%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,945 2.66%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,121 2.31%
KNOXVILLE, TN (FHA|USDA|VA) 4 $990,000 $247,500 $2,511 2.91%
GREENVILLE, NC (FHA|USDA|VA) 4 $990,000 $247,500 $3,155 3.19%
BATON ROUGE, LA (FHA|USDA|VA) 5 $975,000 $195,000 $5,561 4.61%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $960,000 $160,000 $3,044 2.92%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 6 $960,000 $160,000 $4,656 3.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $935,000 $187,000 $4,250 2.55%
Enterprise, AL (FHA|USDA|VA) 3 $905,000 $301,667 $4,066 2.42%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $855,000 $285,000 $3,520 2.71%
LANCASTER, PA (FHA|USDA|VA) 4 $820,000 $205,000 $4,469 3.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $820,000 $205,000 $4,841 3.50%
JACKSON, MS (FHA|USDA|VA) 2 $800,000 $400,000 $1,708 3.06%
Oak Harbor, WA (FHA|USDA|VA) 3 $795,000 $265,000 $3,953 2.42%
LAFAYETTE, LA (FHA|USDA|VA) 2 $770,000 $385,000 $6,672 3.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $740,000 $185,000 $2,941 2.44%
Sevierville, TN (FHA|USDA|VA) 3 $735,000 $245,000 $1,858 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 2 $730,000 $365,000 $1,289 2.69%
Moses Lake, WA (FHA|USDA|VA) 2 $710,000 $355,000 $6,636 2.81%
Coos Bay, OR (FHA|USDA|VA) 3 $705,000 $235,000 $2,893 2.92%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $700,000 $350,000 $2,072 2.25%
Key West, FL (FHA|USDA|VA) 1 $675,000 $675,000 $8,062 4.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $670,000 $335,000 $5,821 3.00%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $640,000 $320,000 $4,302 3.19%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $635,000 $211,667 $2,355 3.08%
Brookings, OR (FHA|USDA|VA) 2 $620,000 $310,000 $4,833 2.69%
TULSA, OK (FHA|USDA|VA) 2 $610,000 $305,000 $3,527 2.44%
LYNCHBURG, VA (FHA|USDA|VA) 3 $595,000 $198,333 $3,984 3.29%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $595,000 $198,333 $8,158 3.67%
Roseburg, OR (FHA|USDA|VA) 3 $585,000 $195,000 $3,651 3.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $585,000 $195,000 $3,422 3.38%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $585,000 $585,000 $11,906 2.75%
Ellensburg, WA (FHA|USDA|VA) 2 $580,000 $290,000 $4,336 3.06%
WENATCHEE, WA (FHA|USDA|VA) 2 $580,000 $290,000 $3,102 2.88%
MERCED, CA (FHA|USDA|VA) 2 $550,000 $275,000 $6,136 2.56%
Wilmington, OH (FHA|USDA|VA) 4 $550,000 $137,500 $4,383 3.22%
WILMINGTON, NC (FHA|USDA|VA) 3 $545,000 $181,667 $4,039 3.04%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $545,000 $181,667 $2,600 2.71%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $540,000 $270,000 $6,800 2.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $540,000 $270,000 $4,734 3.44%
Warsaw, IN (FHA|USDA|VA) 2 $540,000 $270,000 $6,339 3.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $535,000 $178,333 $3,398 3.08%
YAKIMA, WA (FHA|USDA|VA) 2 $520,000 $260,000 $1,695 3.31%
LUBBOCK, TX (FHA|USDA|VA) 2 $520,000 $260,000 $4,740 2.94%
Columbus, MS (FHA|USDA|VA) 2 $510,000 $255,000 $5,337 3.38%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $505,000 $505,000 $6,575 4.25%
COLUMBIA, SC (FHA|USDA|VA) 2 $500,000 $250,000 $1,795 2.50%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $1,702 2.63%
GRANTS PASS, OR (FHA|USDA|VA) 2 $480,000 $240,000 $5,122 2.81%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $475,000 $475,000 $13,634 4.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $3,675 2.75%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $465,000 $465,000 $5,203 2.75%
Jefferson, GA (FHA|USDA|VA) 2 $460,000 $230,000 $3,397 2.69%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $450,000 $225,000 $6,011 3.38%
Klamath Falls, OR (FHA|USDA|VA) 2 $450,000 $225,000 $2,583 2.44%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $450,000 $225,000 $5,159 3.25%
LaGrange, GA-AL (FHA|USDA|VA) 2 $430,000 $215,000 $3,969 2.81%
TUCSON, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $2,775 2.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $425,000 $425,000 $5,960 2.50%
Portsmouth, OH (FHA|USDA|VA) 4 $420,000 $105,000 $4,730 3.50%
PUEBLO, CO (FHA|USDA|VA) 2 $420,000 $210,000 $1,421 2.75%
BEND, OR (FHA|USDA|VA) 1 $415,000 $415,000 $2,281 2.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $400,000 $200,000 $4,187 2.63%
Morehead City, NC (FHA|USDA|VA) 2 $390,000 $195,000 $4,108 3.81%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $380,000 $190,000 $5,968 3.13%
BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $4,284 3.13%
Cookeville, TN (FHA|USDA|VA) 2 $370,000 $185,000 $2,458 2.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $365,000 $365,000 $10,016 3.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,213 3.25%
MORRISTOWN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $3,558 2.75%
ASHEVILLE, NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,315 3.19%
STAUNTON, VA (FHA|USDA|VA) 2 $340,000 $170,000 $2,240 3.13%
REDDING, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,352 3.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $330,000 $165,000 $2,879 2.81%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $330,000 $165,000 $1,033 3.06%
Mount Vernon, OH (FHA|USDA|VA) 1 $315,000 $315,000 $9,769 4.25%
Red Bluff, CA (FHA|USDA|VA) 1 $315,000 $315,000 $4,249 2.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $315,000 $315,000 $7,963 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $310,000 $155,000 $4,031 3.13%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $310,000 $155,000 $3,933 3.19%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $305,000 $305,000 $8,235 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $305,000 $305,000 $2,986 2.63%
Bellefontaine, OH (FHA|USDA|VA) 2 $300,000 $150,000 $6,556 4.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $300,000 $150,000 $3,269 2.81%
HAMMOND, LA (FHA|USDA|VA) 1 $295,000 $295,000 $5,552 2.38%
WALLA WALLA, WA (FHA|USDA|VA) 1 $295,000 $295,000 $1,746 2.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $295,000 $295,000 $5,486 3.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $295,000 $98,333 $3,671 3.21%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $290,000 $145,000 $2,391 2.81%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,235 2.50%
Oxford, MS (FHA|USDA|VA) 1 $285,000 $285,000 $1,413 2.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,583 2.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $280,000 $140,000 $3,778 3.06%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $280,000 $140,000 $3,245 3.88%
Shelbyville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $5,711 3.63%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $275,000 $275,000 $5,835 3.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,369 3.63%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $275,000 $275,000 $5,757 3.13%
EL PASO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,895 3.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $265,000 $265,000 $5,650 3.63%
MANSFIELD, OH (FHA|USDA|VA) 1 $265,000 $265,000 $6,318 3.38%
Centralia, WA (FHA|USDA|VA) 1 $265,000 $265,000 $5,881 2.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,011 3.25%
FLINT, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,704 2.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $255,000 $255,000 $2,299 2.88%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,521 3.38%
SAN ANGELO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,636 4.13%
Easton, MD (FHA|USDA|VA) 1 $245,000 $245,000 $16,902 3.38%
OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $14,673 3.75%
MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $5,137 3.13%
Durango, CO (FHA|USDA|VA) 1 $235,000 $235,000 $7,125 3.38%
Ludington, MI (FHA|USDA|VA) 1 $235,000 $235,000 $4,522 3.38%
Wapakoneta, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,480 3.50%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $235,000 $235,000 $6,069 3.38%
Union City, TN (FHA|USDA|VA) 1 $235,000 $235,000 $1,364 2.63%
Vidalia, GA (FHA|USDA|VA) 1 $225,000 $225,000 $10,363 4.50%
Washington, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,526 3.13%
Athens, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,408 3.63%
Frankfort, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,014 2.38%
Show Low, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $4,105 2.75%
YUBA CITY, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,631 3.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,021 3.38%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $1,246 2.25%
STOCKTON, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,907 3.50%
Durant, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,235 2.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,034 2.63%
Big Rapids, MI (FHA|USDA|VA) 1 $185,000 $185,000 $5,906 2.75%
Tahlequah, OK (FHA|USDA|VA) 1 $185,000 $185,000 $4,206 3.25%
Jackson, OH (FHA|USDA|VA) 1 $185,000 $185,000 $675 4.25%
Wilson, NC (FHA|USDA|VA) 1 $185,000 $185,000 $9,617 3.75%
Urbana, OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,336 3.75%
CHICO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $5,675 2.88%
Moultrie, GA (FHA|USDA|VA) 1 $165,000 $165,000 $2,357 2.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,185 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $165,000 $165,000 $9,994 3.38%
MONROE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,008 2.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,692 2.38%
Muskogee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $2,593 2.25%
Cedartown, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,749 2.38%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $9,267 5.00%
Campbellsville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,344 2.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $9,107 3.25%
St. Marys, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,546 2.25%
ROANOKE, VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,092 3.13%
Sidney, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,413 3.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $125,000 $125,000 $1,939 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $115,000 $115,000 $1,645 2.88%
NILES, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,213 4.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,988 5.50%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,800 5.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,396 3.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,338 2.63%
BAY CITY, MI (FHA|USDA|VA) 1 $85,000 $85,000 $3,297 4.50%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,313 3.13%
New Castle, IN (FHA|USDA|VA) 1 $65,000 $65,000 $4,660 4.50%
Eufaula, AL-GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,067 4.63%
Arcadia, FL (FHA|USDA|VA) 1 $55,000 $55,000 $3,175 4.25%
Sturgis, MI (FHA|USDA|VA) 1 $55,000 $55,000 $4,581 4.25%
Bayshore Mortgage Funding's top markets include New York, Philadelphia, Cincinnati, Baltimore, and Washington among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • 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.

    Liberty Bank
    Similarity Rank: 68
    Commodore Bank
    Similarity Rank: 153
    North Jersey Federal Credit Union
    Similarity Rank: 247
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 258
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 304
    Piscataqua Savings Bank
    Similarity Rank: 310

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,315 $340,585,000 $259,000 $4,017 3.11%
    VA 619 $165,635,000 $267,585 $3,926 2.81%
    FHA 238 $59,840,000 $251,429 $7,516 3.55%
    USDA 16 $2,610,000 $163,125 $5,265 3.86%
    VA 1 $255,000 $255,000 $0 2.75%

    For 2020, Bayshore Mortgage Funding's most frequently originated type of loan was Conventional, with 1,315 originations. Their 2nd most popular type was VA, with 619 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,461 $391,015,000 $267,635 $3,859 2.93%
    Home Purchase 445 $102,965,000 $231,382 $5,337 3.42%
    Cash Out Refi 283 $74,945,000 $264,823 $5,595 3.30%

    For 2020, Bayshore Mortgage Funding's most frequently cited loan purpose was Refi, with 1,461 originations. The 2nd most popular reason was Home Purchase, with 445 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,633 $422,925,000 $258,987 $4,581 3.17%
    15 Year 296 $78,520,000 $265,270 $3,702 2.72%
    20 Year 137 $38,015,000 $277,482 $4,296 2.98%
    Other 100 $24,900,000 $249,000 $3,437 2.92%
    10 Year 23 $4,565,000 $198,478 $3,749 2.88%

    For 2020, Bayshore Mortgage Funding's most frequently cited loan duration was 30 Year, with 1,633 originations. The 2nd most popular length was 15 Year, with 296 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 999 $245,445,000 $245,691
    $<1k 572 $155,540,000 $271,923
    $2k-3k 250 $58,070,000 $232,280
    $3k-4k 137 $35,705,000 $260,620
    $4k-5k 119 $35,405,000 $297,521
    $5k+ 104 $36,750,000 $353,365

    Bayshore Mortgage Funding's average total fees were $4,581, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 999 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 862 $219,340,000 $254,455
    2.5-3% 767 $206,755,000 $269,563
    <2.5% 430 $116,730,000 $271,465
    4-5% 115 $24,135,000 $209,870
    5-6% 9 $1,175,000 $130,556
    6-7% 3 $465,000 $155,000
    7-8% 2 $140,000 $70,000
    Over 8% 1 $185,000 $185,000

    During 2020, Bayshore Mortgage Funding's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 862 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,205 $336,535,000 $279,282 $4,549 3.00%
    $100k-200k 664 $105,440,000 $158,795 $3,741 3.21%
    $400k-600k 241 $112,535,000 $466,950 $5,186 2.97%
    $100,000 or less 65 $4,905,000 $75,462 $3,409 3.57%
    $600k-1MM 14 $9,510,000 $679,286 $11,598 3.29%

    2020 saw Bayshore Mortgage Funding place emphasis on $200k-400k loans with 1,205 originations, totaling $336,535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 869 $216,815,000 $249,499 $4,168 3.00%
    $50k-75k 386 $77,970,000 $201,995 $4,673 3.25%
    $100k-150k 338 $93,810,000 $277,544 $4,492 3.11%
    $150k-250k 246 $83,930,000 $341,179 $4,563 3.02%
    $75k-100k 246 $60,050,000 $244,106 $4,698 3.20%
    $250k+ 90 $32,650,000 $362,778 $3,674 2.92%

    Bayshore Mortgage Funding lent most frequently to those with incomes in the $50k or less range, with 869 originations. The second most popular income band? $50k-75k, with 386 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 370 $98,760,000 $266,919 $4,020 3.05%
    30-36% 282 $70,530,000 $250,106 $4,275 3.16%
    <20% 122 $31,020,000 $254,262 $3,301 2.96%
    44% 66 $17,180,000 $260,303 $4,871 3.26%
    39% 61 $15,665,000 $256,803 $4,811 3.29%
    43% 58 $14,070,000 $242,586 $5,282 3.25%
    37% 57 $13,725,000 $240,789 $4,497 3.21%
    40% 56 $13,960,000 $249,286 $4,549 3.21%
    38% 51 $14,285,000 $280,098 $4,878 3.20%
    41% 49 $12,105,000 $247,041 $4,761 3.18%
    45% 46 $10,580,000 $230,000 $4,756 3.28%
    36% 46 $12,240,000 $266,087 $4,802 3.26%
    42% 43 $11,045,000 $256,860 $4,566 3.14%
    50-60% 43 $9,215,000 $214,302 $7,934 3.70%
    48% 36 $8,150,000 $226,389 $4,661 3.28%
    49% 36 $8,920,000 $247,778 $5,751 3.43%
    47% 34 $8,110,000 $238,529 $5,481 3.40%
    46% 27 $7,095,000 $262,778 $5,931 3.01%
    >60% 3 $655,000 $218,333 $8,111 3.58%

    Bayshore Mortgage Funding lent most frequently to those with DTI ratios of 20-30%, with 370 originations. The next most common DTI ratio? 30-36%, with 282 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,740 $448,470,000 $257,741 $4,357 3.07%
    Not provided 184 $49,290,000 $267,880 $4,261 3.16%
    Black 185 $47,035,000 $254,243 $4,885 3.08%
    Asian 64 $20,350,000 $317,969 $4,041 3.00%
    Native Hawaiian or Islander 5 $1,765,000 $353,000 $4,496 2.58%
    American Indian 9 $1,615,000 $179,444 $3,765 3.89%
    Not applicable 2 $400,000 $200,000 $4,391 3.44%

    Approval Rates

    Total approvals of all applications
    99.77%

    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
    82.05%

    Bayshore Mortgage Funding has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,189 $568,925,000 $259,902

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 82 $13,910,000 $169,634
    Single Family (1-4 Units):Site-Built 2,107 $555,015,000 $263,415

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 50 $9,660,000 $193,200 $3,088 2.84%
    40-60% 243 $61,935,000 $254,877 $3,650 2.83%
    60-80% 776 $204,910,000 $264,059 $4,175 3.11%
    80-100% 1,007 $262,245,000 $260,422 $4,722 3.14%
    Over 100% 108 $30,030,000 $278,056 $5,078 2.89%
    Under 20% 5 $145,000 $29,000 $1,617 4.15%