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 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% | 12/17/24 |
| 30 Year Conventional Refi | 6.76% | 12/17/24 |
| 30 Year Cash-out Refi | 6.93% | 12/17/24 |
| 30 Year FHA Purchase | 7.72% | 12/17/24 |
| 30 Year FHA Refi | 7.53% | 12/17/24 |
| 30 Year VA Purchase | 6.58% | 12/17/24 |
| 30 Year VA Refi | 5.96% | 12/17/24 |
| 30 Year USDA Purchase | 7.26% | 12/17/24 |
| 30 Year USDA Refi | 6.33% | 12/17/24 |
| 15 Year Conventional Purchase | 6.31% | 12/17/24 |
| 15 Year Conventional Refi | 6.45% | 12/17/24 |
| 15 Year Cash-out Refi | 6.45% | 12/17/24 |
| 15 Year FHA Purchase | 7.76% | 12/17/24 |
| 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
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This is not an official calculator from Bayshore Mortgage Funding. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,189Origination Dollar Volume (All Markets)
$568,925,000Awards
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BAYSHORE MORTGAGE FUNDING - 2020
BAYSHORE MORTGAGE FUNDING is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
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
2020 saw Bayshore Mortgage Funding place emphasis on $200k-400k loans with 1,205 originations, totaling $336,535,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.77%
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 origination82.05%
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 |